Looking for the best home warranty in Idaho that is going to save you money on home repairs and replacements?
Perfect you’re in the right spot. In this guide you’ll learn:
- Who can benefit from an Idaho home warranty?
- What you should think about when looking at a home warranty for your Idaho home?
- What will a home warranty cost in Idaho?
- And answers to many more questions…
After 68+ companies reviewed, below are the top picks that we think are of the most benefit to Idaho residents. Continue reading for the crucial details!
Best Home Warranty Companies in Idaho
- $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
- 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
- $150 off + 2 months free
- FREE Roof Leak Coverage
- Good selection of plans
- High contractor professionalism
- $0 transfer fee
- First 30 days: Free cancellation
- $200 off + 2 Month Free + Free Roof Coverage!
- BBB's Only A+ Accredited Home Warranty Company!
- Newly designed customer claim portal
- Smaller company
- Newer on the market
- $200 OFF + 2 Months Free
- Free Roof Coverage
- Comprehensive coverage plans
- 1 day to submit claim
- Limited availability (6 states)
- Lower chance of claim denial
- Multiple optional coverage items
- Choose your own service fee!
- Online chat not supported
- Lower cap on item replacement
- First 2 Months Free on all Plans! (exclusions apply)
- Industry-leading 180-day workmanship guarantee
- $500 Homeowner insurance deductible reimbursement
- 18,000 reliable & fast local technicians
- 24/7 customer service
- Low cancellation fee
Disclosure: ReviewHomeWarranties.com has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.
Idaho is a state of unmatched natural beauty. But of course, that beauty comes at a price. Extremes in weather and geography make owning and maintaining your Idaho home a challenge. A home warranty plan can be one way of solving that problem. The best home warranty companies should offer good value, excellent service, and a track record of standing by their work.
What features should you be looking for to provide peace of mind in your Idaho home? Is a home warranty even the right decision for you right now? Let’s dig in and find some answers.
Top 7 Best Home Warranty Companies in Idaho
Who Needs A Home Warranty in Idaho?
Homeowners
The longer you live in a home, the more the cost of those home repairs can start to add up. Homeowners insurance covers the unexpected disaster, but what about just regular wear and tear?
Best Home Warranty in Idaho?
Choice Home Warranty is our top pick for Idaho. Why? It's additional options for septic as well as limited roof leak coverage can come in handy with the rain and snow in Idaho.
You are probably here reading this article because you are looking for ways to protect the investment you have in your Idaho home. Saving time and money are important to you, and a home warranty can do both.
Read Also: What Are The Top Companies For First-Time Homeowners?
Homebuyers
If you are thinking of moving to Idaho, you are not alone. Over the past decade, Idaho is consistently among the fastest-growing states in the US. You don’t want home appliances or major systems like HVAC to malfunction right after you sign the agreement of sale on your new home -- that is a buyer’s worst nightmare. Home warranty service can protect you from that.
Real Also: What Are The Best Home Warranties For A Buyer?
Home Sellers
With so much mobility within and people moving into the state, you will want your home to stand out with potential buyers. Offering a home warranty protecting your home systems and appliances can make all the difference when potential buyers are choosing between several homes that otherwise cover their wish-list. Home prices are very good, selling at a median price of over $423,000 at the end of 2019. But that is not the kind of investment you want to let sit on the market.
Read Also: Which Home Warranty Plans Are Recommended For Sellers?
Real Estate Agents
There is a reason home warranty companies have web portals specifically for real estate pros. Offering a homeowner a warranty can move you to the head of the line among potential listing agents. A good protection plan offered to buyers can also be a factor in helping them not miss out on buying their dream home.
Top 5 Best Home Warranty Companies In Idaho
| Idaho Company Name | Premium Per Month | Deductible |
| Choice Home Warranty | From $36.17 to $43.85 | $85 flat rate |
| American Home Shield | From $49.99 to $59.99 | From $75-$125 |
| Select Home Warranty | From $35.83 to $37.50 | $75 flat rate |
| Liberty Home Guard | From $39.99 to $59.99 | $75 flat rate |
| Service Plus | From $45.33 to $52 | $75 flat rate |
What Should You Think About When Purchasing A Home Warranty in Idaho?
Weather/Climate
When it comes to weather, you’ve got a little bit of everything in Idaho: cold temperatures, snow, heavy rains--all of this can have a big impact on major systems and appliances in your home.
If you are considering a move to Idaho - here is a glimpse at what winter might be like for you:
So while an air conditioner might not be the biggest concern for you in your Idaho home, a home warranty that covers your heating system (including ductwork) and plumbing systems could be a big money saver.
Geography
Geography is a BIG factor in why you live in Idaho from the canyons through the Salmon and Snake rivers to metro Boise and suburban Eagle. With so much mountainous terrain it is no wonder the population per square mile is just 19.
Nevada and Utah are to the south and famous neighbors Washington and Oregon to the west, but hold a unique position between the Southwest and Pacific Northwest. And your housing is as unique as the landscape where you live. It is beautiful but can be unforgiving. So the added protection of a home warranty can be a welcome counterbalance to this majestic but untamed region you know and love as your home.
What Will A Home Warranty Cost A Resident Of Idaho?
Your Idaho home warranty will have a few costs to keep in mind. The annual plan cost and a service fee are two separate things. Plan costs range from the $300s to the high $700s annually, depending on the type of plan and optional add-ons you choose. Service fees range from around $75 to $125, and some providers, like American Home Shield, allow you to select your service fee within those ranges.
Your warranty service provider may or may not offer a full refund before 30 days. Select Home Warranty is one provider who charges $75 for cancellation, so if having some time to reconsider is important, find a provider like Choice or American Home Shield who will cancel your plan with no penalty in the first 30 days.
Read Also: Which Home Warranty Plan is the Cheapest?
What Types Of Plans Are Available For You In Idaho?
Home warranty companies serving Idaho generally offer three types of plans: an appliance plan, a systems plan, and a combo plan. These can have different names like “Bronze, Gold, or Platinum,” or other similar designations. You get the idea.
The combo plan offers comprehensive coverage and is generally the one with the most bang for the buck in terms of covered items. For these reasons, it is the most popular choice, as you get coverage for most any home systems or appliances that might malfunction, from air conditioning, heating, and plumbing systems to a dishwasher, water heater, and even your garbage disposal and garage door opener.
Home warranty coverage often has potential add-ons, which might make a lot of sense, especially for rural Idaho residents - like a septic tank, septic pumping, well pump, etc.
Read Also: Which Plans Are Recommended For Appliances?
Is A Home Warranty Worth It In Idaho?
With all the funky weather you encounter as an Idaho resident, a home warranty can provide peace of mind and is very worthwhile to consider.
Home warranty providers suggest that an average repair cost for a cooktop and oven is around $150 and replacement cost averages $900. Service contractors can be expensive without the benefit of a home warranty. When you know you’ll be paying just $75 for a service call, and your oven will be repaired or replaced, that is a big deal.
Or what if your heater breaks down on a cold northern Idaho night? You want to get that system repaired ASAP without a huge and unexpected expense. So a home warranty can be well worth it.
Do Home Warranties Cover Pre-Existing Conditions?
What Are The Home Warranty Regulations In Idaho?
In Idaho, a home warranty is regulated under insurance codes.
As an Idaho resident, you have one unique point of law in your favor when it comes to a service contract like a home warranty. As part of the insurance code, “chapter 62, title 41, Idaho Code, may provide for the repair, replacement or maintenance of property for damage resulting from power surges and accidental damage from handling.” (emphasis added)
So you have some added protections not offered in every state!
Top Home Warranties For Idaho Reviewed
Choice Home Warranty Review (Best Overall Home Warranty)
- Service Fee: $85
- Coverage: 9/10
- Limits: 9/10
- Exclusions: 9/10
- Affordability: 10/10
- Customer Service: 9.5/10
- Rating: 97.50
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).
Pros
- Good Limits (up to $1,500)
- Minimal Exclusions
- More Affordable
Cons
- Only 15 Home Appliances & Systems Covered
American Home Shield Review (Editor's Choice)
- Service Fee: $75 – $125
- Coverage: 10/10
- Limits: 10/10
- Exclusions: 9.5/10
- Affordability: 7/10
- Customer Service: 9/10
- Rating: 97.00
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!
Pros
- Highest Payout Limits (up to $3,000)
- Widest Coverage (21 systems and appliances)
- Fewest Exclusions
Cons
- Most Expensive
Select Home Warranty Review (Most Affordable)
- Service Fee: $75
- Coverage: 8/10
- Limits: 8/10
- Exclusions: 8/10
- Affordability: 10/10
- Customer Service: 8/10
- Rating: 95.80
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!
Pros
- Most Affordable Service Contracts
- Roof leaks Are Covered In Their Platinum Plan
Cons
- Ultra Pushy Sales
- 3 Days To Submit Claim
- Weaker Network Of Contractors
Liberty Home Guard Review
- Service Fee: $75
- Coverage: 10/10
- Limits: 9/10
- Exclusions: 9/10
- Affordability: 8/10
- Customer Service: 9/10
- Rating: 95.10
Why Do We Like Liberty Home Guard?
Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice.
Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home.
Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month.
We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.
Policy On Pre-Existing Issues or Older Units?
If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.
Pros
- State of the art customer portal system
- Rigorous testing for contractors
- Ability to use your own contractors
- Fair pricing
- Good customer service for a newer company
Cons
- Must report your issues within one day of noticing a problem
Service Plus Review
- Service Fee: $75
- Coverage: 8/10
- Limits: 7/10
- Exclusions: 7.5/10
- Affordability: 8/10
- Customer Service: 8/10
- Rating: 95.20
Why Do We Like Service Plus?
Service Plus 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 Service Plus 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, Service Plus 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!
Pros
- You Can Choose Your Own Technicians
- Roof Coverage
Cons
- More Exclusions Than Most Competitors
- The Worst BBB score
- Low Payout Limits ($500)
Final Thoughts On Home Warranties In Idaho State
Living in your own private Idaho is great (I had to get that in!) until you need help with a broken appliance or HVAC system. For added protection of your hard-earned property, a home warranty can be a valuable resource.
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