Top Best Home Warranty Companies In Maryland Review

Looking to save money and protect your property at the same time with home warranty coverage in Maryland?

If this sounds like you, today we are going to tell you how! In this review you will learn:

  • What is a home warranty for a Maryland resident and which one is the best?
  • Why should you have home protection in the state of Maryland?
  • What factors should be considered when purchasing a Maryland home warranty?
  • And much more!

We have ranked and reviewed 68+ home warranty companies in MD and are presenting the leading coverage plans in the industry to help with your search. You’re just a step away from appliance and system protection, so keep reading to discover which company is right for you!

Editor's Choice

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Best Overall

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

Limited Time: $150 Off + 2 Free Months + roof coverage
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Best Home Warranty Companies in Maryland

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.5
  • $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 97.0
  • 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 95.8
  • $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 Liberty Home Guard
Editorial Rating 95.1
  • $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
  # 5 ServicePlus Home Warranty
Editorial Rating 95.05
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)
  # 6 Cinch Home Services
Editorial Rating 95.0
  • 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
  # 7 First American Home Warranty
Editorial Rating 94.9
  • Best Customer Service 2020
  • $100 Instant Online Discount
  • Plans from $25/m
  • Automatically renewed policy

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.

A home warranty in Maryland is a must-have for those homeowners who would like to avoid any unexpected repair and replacement costs of their home systems and appliances. collected and analyzed reviews for the best home warranty companies in MD that will satisfy all of your needs for home warranty coverage. 

With home warranty coverage, the monthly premium provides coverage for appliances and or systems as spelled out in the service agreement. Service requests are handled by trained service technicians for a deductible. So instead of paying hundreds or thousands out of pocket each time something goes wrong, your most important systems and appliances are covered by one service provider for a low monthly premium. 

Who Needs a Home Warranty in Maryland?

Homeowners concerned with the expense of upkeep for their major systems and home appliances are the people who need a home warranty in Maryland. So if you own a home and your air conditioner, hot water, or even a garage door opener stops working, a home warranty can help defray the costs of those repairs or replacements in your Maryland home.

It is one of the smallest states in the US, yet one of the most densely populated. There are more than six million citizens, which makes Maryland the 19th most populated state in the USA. 

There are almost 595 people per square mile in Maryland, making it the 5th most densely populated state. Almost 67% of those people are homeowners, which means that home warranty Maryland companies are in high demand.

Although it is lower than in TexasCalifornia, or some other U.S states, Maryland is still one of the top 10 consumers of home warranties based on search data from Google Keyword Planner. The best home warranty companies in MD provide services to the owners of any type of housing: single-family homes, duplexes, condos, and even mobile homes.

Maryland real estate market is pretty well-developed. The mean year of the house built in this state is 1976. This means that the majority of the houses need comprehensive home warranty coverage for both home systems and appliances. Maryland residents prefer to live in spacious houses with 6.2 rooms on average. The median monthly maintenance cost for these houses is around $582, which is comparable to the cost of a yearly home warranty contract.

Maryland real estate market is pretty well-developed. The mean year of the house built in this state is 1976. This means that the majority of the houses need comprehensive home warranty coverage for both home systems and appliances. Maryland residents prefer to live in spacious houses with 6.2 rooms on average. The median monthly maintenance cost for these houses is around $582, which is comparable to the cost of a yearly home warranty contract.

Maryland population per square mile


The best home warranty companies for Maryland residents

Maryland homeowners are looking for home warranty providers who can offer comprehensive coverage and reasonable deductibles (also called service call fees), plenty of coverage options, and excellent customer service. 

Top picks for Maryland would include Choice Home WarrantyAmerican Home Shield (AHS), and Select Home Warranty. These three consistently offer top value for the money throughout the state. 

Many new homeowners in Maryland settle around the big cities, like Baltimore and Annapolis, and in smaller cities closer to Washington, D.C., like Bethesda and Potomac. The center of the population in Maryland is Jessup, on the county line between Anne Arundel County and Howard County.

CNN Money lists Potomac, Maryland, as the most affluent town in the United States based on median household income. These households are considered to be among the wealthiest in the country. Residents select the best home warranty plans that cover multiple air conditioning and heating units and the maximum number of kitchen appliances.

CNN Money lists Potomac, Maryland, as the most affluent town in the United States based on median household income. These households are considered to be the wealthiest in the country. They select the best home warranty plans that cover multiple air conditioning and heating units and the maximum number of kitchen appliances.

The best home warranty plans for Maryland residents

Homeowners in Maryland

Top home warranty providers offer plans that are not as expensive as you might think. Basic plans that cover either appliances or major systems cost around $45 a month. So with an Appliance plan, you could get coverage for appliances like your refrigerator, built-in microwave, oven/range/cooktop. With a Systems Plan, you'd get coverage for things like HVAC, plumbing, and water heater.

A Combo Plan is a more comprehensive plan and would include an HVAC system, plumbing, and electrical systems, plus the full range of kitchen appliances, from refrigerators to exhaust fans and many more covered items. Among the top five home warranty companies available in Maryland, the average cost of a Combo Plan would be around $59. 

Most homeowners prefer the Combo Plan because of the peace of mind achieved by purchasing a home warranty for the most essential home systems and appliances. The Platinum Combo Plan from Choice Home Warranty, for example, will cost about $599 a year, which is about $49 per month. 

Select Home Warranty is another excellent choice, with a Combo Plan that costs around $59 per month, but with the addition of limited roof leak coverage as part of the standard plan, not just an optional add-on. 

Be sure to read through additional Maryland home warranty reviews on this page to learn the ins and outs of each company's coverage. They do tend to be tricky - and this is precisely why we have listed what each plan by each company contains.

What Factors Should be Considered Before Purchasing a Home Warranty?

There is a lot to consider when considering the purchase of a home warranty. For instance, Maryland weather may not be as extreme as, say northern Minnesota, but the heat, humidity, and coastal weather conditions are definite factors. Location and age of the home--not to mention the age of the systems and appliances in the home--are also factors to consider. Let's take a closer look at each of these.

Climate in Maryland

For those homeowners who plan to purchase a home warranty in the near future, one of the major factors to be considered is the climate. This may have a big influence on the normal wear and tear of home systems and appliances.

The climate in Maryland is typical of the East Coast. The summers are hot and humid, requiring lots of air conditioning. Winters are mostly mild to cool, but heating systems should always be in working condition. What does this mean in terms of a home warranty?

Average Annual Precipitation in MAryland


The best home warranty for Maryland residents provided by companies like Select Home Warranty, for example, would cover all major home systems, including heating and air conditioning, plumbing, and electrical systems.

High precipitation, up to 45 inches a year, resulting in high humidity, can lead to malfunctions in kitchen and laundry appliances. These can and should be covered by home warranty plans for mechanical failure during normal operation.

One of the top home warranty companies in Maryland that offer a special plan for appliances is AHW. For $40 a month, the company’s Essential Appliances plan will cover all major kitchen and laundry appliances.

Freezing temperatures below -10°F are rare, but homeowners should still keep in mind that damage caused by frost is not covered in many cases.

Looking for the Best Home Appliance Insurance? - Read Our Research

Once you purchase a home appliance, there is usually a manufacturer's warranty that comes with it. However, once it is expired in 1 to 5 years, is it better to extend it or to purchase a home warranty?

Did you know that there are almost 50 home warranty companies on the market that offer coverage for your appliances, such as washer and dryer, refrigerator, oven, microwave, and dishwasher?

ReviewHomeWarranties research team has compared the home appliance warranty to the appliance extended warranty. Click the button below to see the results!

Which Appliance Warranty is the Best? - In Our Research

Freezing temperatures below -10°F are rare, but homeowners should still keep in mind that damage caused by frost is not covered in many cases.

Location of your house

Another important factor that needs to be considered while choosing a home warranty is the one that real estate agents value most: the location of the house.

Its location near the Atlantic coast makes Maryland prone to tropical cyclones and hurricanes. While it is important to have home insurance that would cover damage caused by natural disasters, it is equally important to keep the electrical system, plumbing, and sewage in good working condition.

This is where a home warranty in Maryland comes in handy. A roof warranty may also come in handy because it covers roof leaks.

With heavy rain comes the potential for roof leaks in MD. Check out this video for tips on what to do if you discover a roof leak.

Please note that the home warranty plans do not cover damage from natural sources. They cover repairs and replace parts that malfunction due to normal wear and tear.

Some home warranty companies, such as Advanced Home Warranty, offer optional coverage for sump pumps. This is highly recommended for houses located in flood zones, or down the hills where the groundwater comes close to the surface.

Age of your house

Maryland suburban house covered under a home warranty

New construction generally has a homebuilder's warranty, along with manufacturer's warranties for all the major appliances and systems. But as a rule, the older your house is, the more comprehensive you want your home warranty to be. In Maryland, the median home age is around 45. 

In case you live in a house built 40 years ago or older, your best decision will be to purchase a Premier Combo Plan from the companies like Liberty Home Guard that offers coverage for both home systems and major kitchen and laundry appliances.

Are Home Warranties Regulated in Maryland?

You don't want to deal with unscrupulous, fly-by-night companies in any situation in life. That's why it's important to know whether the operation of home warranty companies in Maryland is regulated, and which authorities control them. 

According to the Department of Labor, Licensing and Regulation, home warranties are covered by the Maryland Service Contracts and Consumer Products Guaranty Act, which is found in Title 14 of the Commercial Law Article of the Annotated Code of Maryland. This Act requires the companies to disclose information about their services. Be aware that the code does not provide much in the way of enforcement authority.

What does it mean for you as the consumer? Usually, it means that home warranties in Maryland are only as good as the company that issues them. So it's important to work with companies that have an established track record.

Best Home Warranties in Maryland 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

Visit Website

(848) 237-1571
choice 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)

  • Service Fee: $75 – $125
  • Coverage: 10/10
  • Limits: 10/10
  • Exclusions: 9.5/10
  • Affordability: 7/10
  • Customer Service: 9/10
  • Rating: 97.00

Visit Website

(866) 464-7521

american home shield home warranty

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)

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 8/10
  • Exclusions: 8/10
  • Affordability: 10/10
  • Customer Service: 8/10
  • Rating: 95.80

Visit Website

(888) 370-3954
select home warranty

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

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

Visit Website

(866) 472-3812

liberty home guard

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.


  • 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


  • 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

Visit Website

(267) 824-4010

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!


  • You Can Choose Your Own Technicians
  • Roof Coverage


  • More Exclusions Than Most Competitors
  • The Worst BBB score
  • Low Payout Limits ($500)

Final Words About Home Warranties in Maryland

Home warranty plans in Maryland are available to real estate agents, home sellers, and home buyers, and current homeowners. Real estate agents protect their business and real estate transactions, home sellers attract more customers by offering them one-year warranty coverage, and homebuyers keep the cost of home systems repairs and appliance replacements under control.

Finding the best home warranty companies in Maryland should not be complicated. That's why we are always researching and updating our information, collecting all of the most valuable information on each company, including consumer reports, and present it to you here.

Coverage may vary significantly from company to company and state to state. Be sure to review how your Maryland policy compares to nearby states like DelawareVirginia, and West Virginia.

Nearby States

All states
Home warranty Delaware 34 companies available
Delaware Home Warranty
Home warranty Virginia 36 companies available
Virginia Home Warranty
Home warranty Pennsylvania 38 companies available
Pennsylvania Home Warranty

Frequently Asked Questions in Maryland

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


Is a Maryland home warranty worth it?

When you stop and think about all the appliances and systems that make your home function every single day, it’s pretty amazing. When even one of those systems or appliances breaks down, it can be a huge headache. And how will repair or replacement get paid for?

Answering that question is where a home warranty can come in handy. With a home warranty, your major appliances and systems can be protected from breakdown due to everyday wear and tear, for less than you might pay for just one breakdown of one appliance or system.

What are the best home warranty companies in Maryland?

We take a deep dive into the pricing, stats, reviews, and overall capabilities of nearly 70 home warranty companies. The best ones we’ve found for your Maryland home are these five:

  1. Choice Home Warranty
  2. American Home Shield
  3. Select Home Warranty
  4. Liberty Home Guard
  5. Service Plus

What do home warranties cover?

People get home warranties to cover specific appliances and systems from malfunction and breakdown due to everyday wear and tear. It’s the kind of thing that homeowner’s insurance is not going to cover. 

1. Most Common Coverage


  • HVAC (heating and air conditioning) 
  • Plumbing system
  • Electrical system
  • Water heater


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

2. What some cover

Some providers will also include coverage for things like plumbing stoppages, HVAC ductwork, ceiling and exhaust fans, garbage disposals, and even doorbells.

Many providers offer optional coverage for items like well and septic pumps, pools and spas, sump pumps, and additional refrigerators or freezers. 

3. What few cover

Some companies offer coverage that is unique in the industry. For instance, Select Home Warranty offers limited roof leak coverage on all plans, not just as an optional add-on. AHW will cover a whole-home humidifier and even your wine fridge as add-on options.

How much does a Maryland home warranty cost?

Pricing for a home warranty comes in two parts. The biggest cost is the monthly premium. If you call in a claim and the home warranty company sends out a contractor, there will be a service call fee. 

Premium costs vary depending on what kind of plan you get. Home warranty plans come in three main varieties: Appliance Plans, Systems Plans, and Combo Plans. Most people choose the Combo Plan for coverage of all major appliances and systems for just a few dollars more a month compared to a standalone Systems or Appliance Plan. 

Combo Plan
Top 5 Average

A service call fee can range from around $70 to as much as $150. Usually, if you pay a higher service call fee, you’ll get a lower monthly premium.

How do I choose a good home warranty?

There are three basic steps to choosing the home warranty that’s right for you.

  1. Research - Do exactly what you are doing now and look at what kinds of plans are available in Maryland, the cost, the reputation of the provider, and all the data you can find.
  2. Get Quotes - All the home warranty companies will offer a free quote for the coverage and options you are looking for. Make sure to get at least two or three quotes to get the best deal with the best options for your situation.
  3. Make the Purchase - Read the service agreement carefully before you sign. But once you understand the terms, make the purchase. Most companies allow for 30 days with no cancellation fee if you change your mind.