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Top 5 Best Home Warranties For Townhomes (2020 Review)

Top Best Home Warranty Companies For Townhomes Review

In the market for a home warranty for your townhouse?

Perfect, you’re in the right spot. In this guide, you’ll learn:

  • What is a home warranty plan meant for a townhouse?
  • How much does home warranty coverage for a townhouse cost?
  • Is it worth it to get a home warranty service contract for your townhouse?
  • How exactly does a home warranty service plan work?
  • What are the best home warranty companies and plans on the market?
  • And much more!

Here, we’ve selected the best five home warranty companies for a townhome that offer a variety of coverage plans so that you could read their reviews, compare their plans, and select the one that works best for you.

Editor's Choice
97.0

$50 Off Your Plan
Claim Offer
Best Overall
97.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
95.8

Limited Time: $150 Off + 2 Free Months + roof coverage
Claim Offer


Our Top Picks Overview

  # 1 Choice Home Warranty
Editorial Rating 97.50
  • $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 97.00
  • 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 95.80
  • $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 Cinch Home Services
Editorial Rating 95.40
  • Get $100/ $50 off!
  • Large number of homeowners
  • Clients report fair compensation
  • Delays in repairs reported
  # 5 Total Home Protection
Editorial Rating 95.20
  • $150 OFF + 2 Months Free
  • Limited Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)

Owning a home can be wonderful, but it’s also a whole lot of work. As a homeowner, you’re responsible for any maintenance or repairs on your townhouse’s major systems and appliances.

But, all of these repairs can add up over time, leaving you with a hefty bill to pay out of pocket that eats away at your savings. Thankfully, there is a way to protect yourself from costly home repairs on major appliance and system malfunctions on your townhouse.

The answer? A home warranty plan.

With the right home warranty plan, you can not only get financial coverage when it comes to maintaining your home, but you also get simplified repair service whenever an appliance or system breaks.

However, with so many great warranty plan options to choose from, finding the right one for your needs is no walk in the park. We understand how difficult it can be to select a home warranty for your townhouse, which is why we reviewed 68 companies to determine which policies provide you with the best coverage.

Up next, here are our townhouse home warranty reviews, plus a guide to the top warranty protection plans on the market today.

Top 5 Best Home Warranties For Townhomes

What Are Home Warranties Meant For A Townhouse?

Before we get too far ahead of ourselves here, what exactly is a home warranty for a townhouse.

Simply put, a home warranty is a type of protection plan that covers you financially should anything break or malfunction in your home. When you have a warranty policy, your provider will cover you up to a certain dollar amount on repairs and replacements of any home appliance or system listed as a covered item on your contract.

Additionally, your warranty company will also provide you with a streamlined repair service. That way, you don’t have to spend time searching for a service provider or contractor when you need a home repair on your townhouse.

Every home warranty provider offers different coverage options, so it’s important that you understand the various protection plans that are available to you. Here are the three basic types of warranty plans and how they can help you save money on your townhouse:

  • Appliances Plan. An appliance plan will cover you if any of your townhouse’s major appliances breaks. Covered items vary from company to company, but they usually include dishwashers, clothes washers, garbage disposals, cooktops, stoves, and refrigerators. This policy is ideal for anyone who needs a cost-effective way to protect the appliances in their home.
  • Systems Plan. Systems plans provide you with coverage on your home’s most important systems. This usually includes your HVAC, plumbing system, and electrical system, but can also include ductwork and water heaters. These plans are ideal for any townhouse owner but are especially beneficial to owners of older homes that are likely to need frequent repairs. They are also a good choice for homeowners that have recently replaced many of their appliances and want to cover just the most essential aspects of their home.
  • Combo Plan. Alternatively, you can choose to get the protection of both an appliance and a systems plan with a single combo plan. These will offer coverage for nearly every home system and appliance, including air conditioning and heating systems, clothes washers and dryers, and major kitchen appliances. A combo plan is best for any townhouse owner who wants comprehensive coverage of their home for maximum protection from major repairs.

What Does A Home Warranty For A Townhouse Cost?

For a townhouse, a home warranty costs between $300-$600 for an annual premium. However, this cost varies based on two primary factors:

  • Size of the townhouse
  • Location of the townhouse

Professional plumber fixing a repair for a home warranty customer

Additionally, how much you end up paying for warranty coverage on your townhouse will depend on the type of plan you buy. 

Appliances and systems plans tend to be the most affordable options, making them a good choice for homeowners on a budget. Combo plans, on the other hand, provide more bang for your buck in terms of overall value based on the coverage you get.

 You’ll also have to consider if you want any optional coverage items to protect a second fridge, a stand-alone freezer, or other items that aren’t traditionally covered under a standard plan. These add-ons will increase your annual premium cost, but will often pay for themselves in terms of how much you save in repair expenses.

Is Coveage For A Townhouse Worth It?

If the thought of spending another $300-$600 a year on a home warranty makes your wallet want to run away in fear, we understand. This is a sizable out of pocket expense, and it’s nothing to scoff at.

But, a home warranty for a townhouse is worth it if you want to protect yourself from exorbitant repair fees and all the tedious tasks associated with home maintenance. Here’s why a warranty plan is worth it for your townhouse.

Protection From Big Repair Bills

For most townhouse owners, the number one reason they decide to purchase a home warranty is to protect themselves from huge repair costs. While a $300-$600 annual premium is certainly a large chunk of change, it’s nothing compared to what it costs to repair some of your house’s more expensive aspects.

For example, a complicated home system, like your HVAC, costs an average of $300 per repair, but can easily reach upwards of $1,000 for a single repair on a major issue. If you need to replace your air conditioning, on the other hand, you might be looking at a bill that’s as high as $7,000.

On the other hand, a refrigerator might cost you upwards of $2,000 to replace while your hard-working dishwasher will net you between $400-$700 just in replacement costs. Oh, and a single plumbing stoppage? Yeah, that could cost you upwards of $300 to get your toilet back in working condition.

Of course, we hope you don’t have to repair all of your townhouse’s appliances and systems in one year. But, if you look at any of those costs, you can see that just a single major repair makes your entire annual premium well worth that upfront expense. 

Ultimately, that means more of your hard-earned money in your pocket and less spent on costly home repairs.

Read Also: Which Plans Will Best Protect My Appliances?

Streamlined Repair Service

While people tend to focus on a home warranty’s financial advantages, one of the less appreciated benefits of a warranty plan is its ability to offer you easy repair service. When you have a warranty, you don’t need to spend hours searching for a repair specialist that can come to your home when something malfunctions.

Instead, you simply need to submit a service request to your warranty provider whenever you need a repair. You’ll then pay a small service call fee to cover the cost of sending a contractor to your home. 

home warranty for townhome owners facts

The company will arrange for a qualified repair technician to come to your townhouse as soon as possible to assess, diagnose, and repair any issues you might have. Top home warranty companies will generally have a 24/7 call line and an online claims system to get prompt repair service whenever something breaks.

Plus, many providers will also have an emergency repair service, so you never have to be without your most essential home systems and appliances, even when something malfunctions in the middle of the night.

Read Also: How Can A Home Warranty Help You As A Retiree Living In A Townhome?

Covers What Home Insurance Won’t

You probably have a home insurance policy on your townhouse, so you may be wondering why you need to get a separate warranty plan.

The answer is quite simple: Home insurance is designed to protect you from out of pocket expenses if there is a fire, flood, or another kind of natural disaster that affects your house. This coverage, while important, will not protect you if your dishwasher breaks or your hot water heater decides it doesn’t want to work anymore.

On the other hand, a warranty plan is meant to cover you when your appliances and systems break due to normal wear and tear. This makes home warranties worth their weight in gold. 

In reality, there are few other times in your life where you can get financial protection whenever something breaks through regular use. Most other kinds of consumer protection plans, like manufacturer’s warranties, will only cover you for a limited period of time after purchase. 

Top warranty companies, though, will cover you even if your townhouse has older appliances and systems, so you don’t have to worry about huge repair costs. That means that a warranty plan will protect you even when your homeowners insurance company won’t.

Better Resale Value

Serviceman Repairing Refrigerator in a townhome for a home warranty customer

Even if you’ve just moved into your townhouse and aren’t looking to sell anytime soon, it’s always important to remember that a home is an investment. Therefore, keeping your townhome’s resale value high is important for protecting your investment and ensuring that you will get the most for your home should you decide to sell.

A home warranty on a townhouse helps your home’s resale value in two ways. First and foremost, it helps you stay on top of costly home repairs, which are essential for fetching a higher closing price from prospective home buyers.

Second, simply having a home warranty can make your house more attractive to the real estate market. In fact, many real estate agents suggest that sellers have warranty coverage because it protects them during the selling process

Additionally, that coverage can give prospective buyers the added peace of mind they need to decide to make an offer on your home and not someone else’s. This is because a warranty helps ensure buyers that they’ll be covered even if something breaks in their new home.

Read Also: How Can You Benefit From A Home Warranty As A First-Time Townhome Buyer?

How Do Home Warranties For Townhomes Work (Are They Unique)?

Although living in and owning a townhouse is different than owning a single-family dwelling, warranty plans that cover condos and single-family homes can also be used to protect a townhouse. The trick is knowing how the warranty process works and how to choose the right one for your needs. 

Here’s what you need to know:

Step 1: Decide On Your Coverage

If you’ve determined that a home warranty is for you, congrats! You’re well on your way to lasting financial protection from major home bills.

But, before you can get started, you’ll need to decide on the type of coverage that you want. As we’ve mentioned, you have a few different options when it comes to warranty policies: appliance, systems, and combo plans.

However, as a townhouse owner, you are in a unique situation because your home likely shares a number of systems with your neighbor’s homes. This is particularly true for HVAC systems, which are often shared between two or even three units.

In this situation, unfortunately, most warranty companies will not cover issues that arise in shared systems. That being said, this limitation doesn’t mean that a warranty isn’t worth it. Rather, it means that, as a townhome owner, you need to be more strategic about what kind of coverage you need.

Indeed, it’s often a good choice to opt for an affordable combo plan that offers particularly good coverage of your townhome’s appliances, even if there are some systems listed on the sample contract that you might not need protection for. 

Alternatively, an appliance plan is often a popular option for townhome owners because they only cover items that are generally wholly contained within a single housing unit. That way, you can feel like you’re getting the most value for your money in terms of what’s covered in your home.

Step 2: Get A Home Inspection

Although this isn’t technically a requirement for a home warranty, it’s often a good idea to get an inspection done on your townhouse before you purchase a policy. Since many companies will not cover pre-existing conditions that could’ve been identified through a simple visual inspection, a home inspection will save you from any headaches down the line.

A home inspection is a particularly good idea on older townhomes that may have underlying issues. That way you can fix any problems before your warranty plan starts, giving you peace of mind that you’ll be covered if any future repairs are needed in your home.

Are you buying a new townhome? Check out this video on how to buy a townhouse and the steps involved so you don’t waste time or money.

 

Step 3: Purchase Your Plan & Wait For The Grace Period

After you decide on a plan and purchase your coverage, you’ll need to wait for a short period of time before you can make your first claim. This grace period is usually about 30 days long.

It might seem odd that you have to wait before submitting a repair claim. But, this is to stop people from abusing these plans by signing up right before they decide to do a major home repair.

However, if you already have coverage on your townhouse and are just looking to switch plans or providers, many companies will wave this waiting period. All you’ll need to do is prove that you’ve had continuous protection on your home. Then, you can submit your first claim as soon as your plan starts.

Step 4: Submit A Repair Request

Now that you have your home warranty plan, you can make a claim whenever a covered item breaks in your townhouse. All you’ll need to do is call your provider and submit a repair request.

Then, you’ll pay a small service fee (usually $60-$125, depending on the company) to cover the cost of sending someone to your home. You can think of this call fee as similar to your copay at the doctor’s office.

Read Also: What Are The Real Costs of A Deductible?

Step 5: Get Quality Home Services & Repairs

Once your claim is processed, you can sit back and relax as a qualified technician handles any of the issues in your townhome’s covered items. You can rest easy knowing that you’ll get expert repair service and coverage up to the limits listed on your policy.

Top Home Warranties For Townhouses Reviewed

You have a lot of great options to choose from when it comes to warranty coverage, so it’s understandable if you’re feeling overwhelmed. To get you started, here are our reviews of the top home warranty plans for townhouses on the market today:

Choice Home Warranty

Choice Home Warranty is one of our favorite options when it comes to protecting your townhouse. They offer coverage on multi-family residences (yep, that includes your townhouse) up to 5,000 square feet in area.

The company has two combo plan options: a Basic Plan and a Total Plan. With their Basic Plan, you get coverage on the following systems and appliances:

  • Electrical system
  • Plumbing system, plumbing stoppages, water heater, whirlpool bathtubs
  • Dishwashers and garbage disposals
  • ​Ovens, cooktops, stoves, ranges, and built-in microwaves
  • Heating system, ceiling and exhaust fans, and ductwork

If you want even more coverage, Choice Home Warranty’s Total Plan will protect everything in their Basic Plan, plus your clothes washer and dryer, refrigerator, and air conditioner.

We understand that you might be a bit confused as to why we’re recommending a company that only offers combo plans for townhome owners, who might not need protection on shared systems. The reason we think Choice Home Warranty is worth it for your townhouse is because their plans are affordable and offer great maximum coverage limits on covered items.

So, while you may end up with coverage that isn’t necessarily applicable to your townhouse, you might pay less with a combo plan from Choice Home Warranty than you would with an appliance plan from another provider. This, combined with the company’s high maximum coverage limits, makes Choice Home Warranty a good value for townhome owners.

Plus, they won’t deny you coverage just because you own an older home. The company also has some of the lowest service fees in the industry, helping you to save money whenever you need a repair.

Read Also: Can My Condo Have Home Warranty Coverage?

Pros:

  • Affordable comprehensive coverage of your townhouse
  • Low service call fees
  • High coverage limits on protected items

Cons:

  • No option for just an appliance or systems plan

 

American Home Shield

American Home Shield is a popular choice among townhouse owners because they offer three standard plan options to suit your needs. They will cover townhouses up to 5,000 square feet under these plans.

With American Home Shield, you can choose between their Appliance Plan, their Systems Plan, and their Combo Plan. Alternatively, for maximum control over your home’s coverage, you can even build your own plan. 

That way you can choose precisely the coverage you need and avoid paying for coverage on shared items, like your air conditioning systems, that you might not want protection for anyway.

Another major benefit of American Home Shield is that they allow you to choose your own service fee. This means that you can opt to pay slightly more upfront for your premium and save money down the line with a lower call fee. Or, if you’d rather save now and pay more later, you can choose for a higher call fee whenever you need a repair.

Read Our Full Review of American Home Shield

Pros:

  • Three standard plan options that offer good coverage for townhomes
  • Ability to create your own plan for customized coverage
  • Allows you to choose your own service call fee

Cons:

  • Annual premiums are slightly more than the industry average

 

Select Home Warranty

Select Home Warranty is another great option for townhome owners that want good overall coverage on their home. The company has three plan options so you can decide which policy is best for your unique coverage needs.

Under Select Home Warranty’s Bronze Plan, you can get coverage for all of your townhouse’s appliances, including:

  • Garbage disposal and dishwasher
  • Built-in microwave, stove, oven, and cooktop
  • Refrigerator
  • Clothes washer and dryer

Or, if you’d rather protect your townhome’s major systems, you can opt for the Gold Plan, which includes coverage for the following systems:

  • Electrical systems
  • Plumbing systems and water heaters
  • ​Heating systems, air conditioning, and ductwork

Last but not least, Select Home Warranty also offers a Platinum Plan, which covers everything under their Bronze and Gold offerings, plus ceiling fans and garage door openers.

One of the reasons that we particularly like Select Home Warranty is that they offer a wide range of good add-on coverage items, such as sump pumps, sprinkler systems, and septic systems. This means that you can better customize your home protection to get all the coverage you need.

Finally, Select Home Warranty is one of our favorite providers because it also allows you to choose your own repair technician. So, if you have a contractor that you already know and like, you can continue working with them to maintain your home.

Read Our Full Review of Select Home Warranty

Pros:

  • Three great plan options and plenty of add-ons to meet the needs of townhome owners
  • Allows you to choose your own repair technician

Cons:

  • Annual premiums are a bit higher than other providers

 

Total Home Protection

Total Home Protection is a solid choice for anyone that wants comprehensive coverage on their townhome. They have two plan options that can be used to protect your townhouse from costly repairs.

With their Gold Plan, you get the following covered items:

  • Electrical systems
  • Oven, stove, range, cooktop, and built-in microwave
  • Plumbing, stoppages, whirlpool bathtubs, and water heaters
  • Dishwashers, garbage disposals, and trash compactors,
  • Garage door openers
  • Sump pumps
  • Ductwork and ceiling/exhaust fans

If you want even more coverage for your townhouse, you can also opt for their Platinum Plan. This policy protects everything under the Gold Plan, plus your HVAC, refrigerator, and clothes washer and dryer.

Total Home Warranty is one of our top choices because their plans are affordable and have low service fees. This makes them a great value for the money, especially for such comprehensive coverage.

Finally, the company also offers emergency repair services so you can get the repairs you need without having to wait.

Read Our Full Review of Total Home Protection

Pros:

  • Affordable plan options and low service fees
  • Emergency repair service available for quick repairs

Cons:

  • Not available in some states (e.g. California, Nevada, Washington, New York, and Iowa)

 

First American Home Warranty

First American Home Warranty is a fan favorite among townhome owners that want cost-effective protection. They have a Basic Plan and a Premier Plan so you can decide what kind of coverage you need in your townhouse.

Their Basic Plan is particularly good for townhouses because it covers items such as:

  • Clothes washers and dryers
  • Dishwashers and instant hot water dispensers
  • Garbage disposals and trash compactors
  • Refrigerators, ovens, ranges, cooktops, and built-in microwaves

For even more coverage, their Platinum Plan offers all the protection of the Basic Plan, plus the following systems:

  • Ductwork and heating systems
  • Electrical systems
  • Plumbing, stoppages, and hot water heaters
  • ​Central vacuum system

First American Home Warranty is one of our top picks because they have some of the most affordable annual premiums around. We also like that their Basic Plan covers most of the items that you’d normally find within a townhouse.

Plus, if you ever want to sell your home, First American Home Warranty has a list of great seller upgrades to offer you more protection during the real estate process.

Read Our Full Review of First American Home Warranty

Pros:

  • Affordable plan options for any townhome owner
  • Coverage upgrades available for selling your home

Cons:

  • Air conditioning coverage is add-on only

Final Thoughts On Home Warranties For Townhouses

At the end of the day, you’re only going to purchase one home warranty plan for your townhouse. If we had to choose just one of these plans, we’d opt for Choice Home Warranty due to their low annual premiums and comprehensive coverage of all your townhouse’s major systems and appliances.

Be sure to check out our reviews of home warranties in your state on our USA page. When it comes to protecting your townhome in states like New Hampshire, Rhode Island, Vermont, New Mexico, North Dakota and even Hawaii, its important to do research in the best companies available in your state.