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Top 5 Best Home Warranties For Townhomes (2023 Review)

Top Best Home Warranty Companies For Townhomes Review

Written By: Ross Robinson

Edited by: Andrew Dunn

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

$200 Off + FREE Bonus Month
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Best Overall

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

Limited Time: $150 Off All Home Warranty Plans
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Our Top Home Warranty for Townhomes Picks

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.50
  • 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 98.00
  • $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
  # 3 American Home Shield
Editorial Rating 97.60
  • 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 97.20
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • Must file claims within 3 days
  • $75 cancellation fee
  # 5 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

Top 3 Home Warranty Companies for Townhomes

We’ve done the research for you on the best home warranty companies across the country so you don’t have to. Here are our top three picks, and why.

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

Choice Home Warranty (Best Home Warranty for Townhomes)

Choice Home Warranty has the best home warranty plan for townhomes. Living in a townhome and living in a single-family home is quite similar. Some essential systems and appliances need to be protected from expensive repair and replacement. Choice Home Warranty has been in business for more than ten years, and they focus on creating plans that are fairly priced, simple, and straightforward to work with. The Choice Home Warranty comes with two plan choices: the Basic Plan and the Total Plan. With each of these plans, there is a combination of both appliance and system coverage. For instance, your electrical system, HVAC, dishwasher, and microwave can be covered under one affordable plan. With Select Home Warranty and American Home Shield, the lower-priced plans cover only systems or only appliances. 

It is essential to consider the deductible costs when it comes to the affordability of a home warranty plan for a townhome. With Choice Home Warranty, if you experience an issue that needs repair, the deductible or service fee is $85. For companies like American Home Shield, the deductible can be $125 or more. In addition, if the repair that Choice Home Warranty performs turns out not to be effective, they will come and repair it again for no extra cost. Choice Home Warranty offers emergency service if you find that an essential system or appliance was to go down. The most important benefit of the Choice Home Warranty plan is the ability for townhome owners to budget their expenses. With the way this plan works and the high policy limits in place, you will have peace of mind that the Choice Home Warranty plan broadly covers repair and replacement expenses. 

Now is the perfect time for townhome owners to get involved with Choice. For a limited time, Choice Home Warranty offers an incentive that gives $50 off, one free month and no cancellation fees for the first 30 days. 

American Home Shield (Most Customizable)

American Home Shield is the editor’s choice for the best home warranty for townhomes. Townhomes are an excellent investment because there will be very little exterior maintenance to deal with. However, the interior of the home will be very similar to a full single-family home. The appliance and systems inside a townhome can be extensive, and having a home warranty provider with plan customization will help ensure that your townhome is always protected. The American Home Shield plan allows you to put together coverage options that work specifically for your townhome. If you have no dishwasher but want your garbage disposal covered, you can easily set that up with AHS. In addition, you can pay more per month if you would like a lower service fee for your home warranty plan. 

The American Home Shield home warranty has been around for more than 50 years. With this kind of history in the business, you can rest assured that AHS has dealt with quite a few townhomes in the past. The plan is very easy to sign up for, and the claim denial rate with American Home Shield is lower than that of Choice Home Warranty and Select Home Warranty. This means that as long as you are keeping up with routine maintenance around your townhome, any system or appliance issues that come up should be covered under your plan. 

American Home Shield is offering new policyholders $50 off to get their plan started today. This is a great time to take advantage of premium coverage for your townhome. 

Select Home Warranty (Most Affordable)

Select Home Warranty is the most affordable home warranty for a townhome. The best part of the Select Home Warranty plan is that the monthly fees and the deductible are lower than both Choice Home Warranty and American Home Shield. With a deductible of only $65, you will find that even if an issue comes up around your townhome quite often, you will still be saving large sums of money going with the Select Home Warranty plan. Select Home Warranty offers townhome owners the option to purchase an appliance plan, a systems plan, or a combination plan that has everything covered. Most townhome owners find the best value with the combination plan from Select Home Warranty. 

The Select Home Warranty has been on the market for more than ten years. They have developed a reputation for having some of the most professional service technicians and repair personnel in that time. The training that these contractors must go through to be accepted by Select Home Warranty is quite extensive. This is an important thing to keep in mind if you are worried about an item being fixed the right way the first time. SHW is a plan that is a bit easier to decide on because of the fair pricing involved. However, their latest sign-up bonus makes this decision even easier. 

For a limited time, Select Home Warranty is offering $150 off, two months free, and 30 days to cancel free of charge. This is impressive savings and one that is going to make choosing a home warranty for your townhome quite a bit easier.

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.

If you’re looking for a trusted, industry-leading home warranty company, we recommend Choice Home Warranty. They’re a top-rated brand and right now you can take advantage of their current promotions that get you $50 off, plus one free month and free 30-Day cancellation. Get a free online quote or contact a specialist at 929-400-6169 before these deals end. Another great option is American Home Shield which offers $50 off. Get a free quote online or you can call a home warranty specialist directly at 866-464-7521.

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.

Read Also: Which Home Warranty Plan is the Cheapest?

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.

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.

Do All Home Warranties Cover Pre-Existing Conditions?

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.

Final Thoughts On Home Warranties For Townhomes

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, it’s important to do research on the best companies available in your state.

Home Warranty for Townhomes FAQs

Below are just some of the frequently asked questions we receive about home warranties for townhomes.


Do home warranties cover townhomes?

Yes, a home warranty will cover appliances and systems typical in any townhome.

Does Choice Home Warranty cover townhomes?

Yes, Choice offers a Basic and Total Plan that are both very suitable for townhome coverage.

Which home warranty offers the best coverage for townhomes?

Townhomes can be brand new or relatively new construction. They can also be part of an older, established neighborhood. Whatever type of townhome you live in, Choice Home Warranty is the best buy. With good coverage on all the major systems and appliances in your home and a reputation for not denying claims on older systems or appliances, they are the clear winner. Plus, they have among the most generous coverage limits in the industry.

$$ Coverage Limit
Choice Home Warranty
$500 - $3,000
American Home Shield
$1,000 - $3,000 
Select Home Warranty
$500 - $2,000
Liberty Home Guard
$500 - $2,500

What does a home warranty cover?

A home warranty is meant to cover your townhome’s main systems and appliances from breakdown due to everyday wear and tear. Homeowner’s insurance does not kick in for situations like that. And if your manufacturer’s warranty has run out, the expense of repairing or replacing that crucial system or appliance is up to you. That’s where a home warranty comes to the rescue.

1. Most Common Coverage

  • HVAC including ductwork
  • Plumbing system
  • Electrical system
  • Water heater

  • Refrigerator
  • Oven / Range / Stove
  • Cooktop
  • Dishwasher
  • Clothes Washer
  • Clothes Dryer
  • Built-in microwave

Is a home warranty worth it for a townhome?

There is no doubt that a home warranty covering the critical systems and appliances you rely on can be well worth the cost of the monthly premium. Home repairs on any one of those items can really add up. With a home warranty on your townhome, you get peace of mind in knowing these items have that added layer of protection.