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.
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Our Top Picks Overview
What's In This Guide?
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.
Best Home Warranty For Townhouses?
Choice Home Warranty is our top pick for townhome coverage. Choice protects townhomes up to 5,000 square ft and has some of the lowest service fees in the industry, helping you to save money whenever you need a repair.
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
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 Coverage 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.
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.
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.
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
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.
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.
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
Choice Home Warranty Review (Best Overall Home Warranty)
Why Do We Like Choice?
Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.
Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have “Optional Coverage” for add on items most homeowners don’t usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items.
Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.
The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.
A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.
That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.
Policy On Pre-Existing Issues or Older Units?
Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life.
What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).
- Good Limits (up to $1,500)
- Minimal Exclusions
- More Affordable
- Only 15 Home Appliances & Systems Covered
American Home Shield Review (Editor’s Choice)
Why Do We Like American Home Shield?
Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.
In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.
They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 – $3,000 per claim.
Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Highest Payout Limits (up to $3,000)
- Widest Coverage (21 systems and appliances)
- Fewest Exclusions
- Most Expensive
Select Home Warranty Review (Most Affordable)
Why Do We Like Select Home Warranty?
Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 – $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.
If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.
Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Most Affordable Service Contracts
- Roof leaks Are Covered In Their Platinum Plan
- Ultra Pushy Sales
- 3 Days To Submit Claim
- Weaker Network Of Contractors
Total Home Protect Review (Best For Larger Systems)
Why Do We Like Total Home Protect?
Total Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.
Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.
Most home warranties do not cover anything related to your roof but Total Home Protect does, which we found to be unique to their offering helping them crack our top list.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and AHS, Total Home Protect covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- You Can Choose Your Own Technicians
- Roof Coverage
- More Exclusions Than Most Competitors
- The Worst BBB score
- Low Payout Limits ($500)
First American Home Warranty Review (Best Customer Service)
Why Do We Like First American Home Warranty?
First American Home Warranty made our list as a home warranty with above average customer service mixed with in with a decent price point.
The only drawback was that they aren’t nationwide lacking coverage in the following states: ND, MN, WI, IL, NY, VT, NH, ME, MA, CT , RI , DE, AL, HI, LA.
Their plan options include a “Basic“ plan, which only covers appliances and will run you about $28 per month. Their combo plan, which covers major systems and appliances branded the “Premier” plan costs around to ~$43 per month.
Overall a good home warranty provider, but just lacking the coverage, which would have helped make a better case for “best overall home warranty company”.
Policy On Pre-Existing Issues or Older Units?
Again, all of the home warranty providers seem to have adopted a similar policy in that they cover “old” appliances and systems that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Great Customer Service (B+ BBB Score)
- Online Chat Support
- Not Available In 15 States
- Can’t Choose Your Own Contractor
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.