The state of Maryland offers a mix of ocean towns, city life and some rural areas. Maryland homeownership comes with mild climate and access to plenty of outdoor activities. The only issues that you will find with owning a home in Maryland are the systems and appliances of a house will continue to require repair and replacement through the years.
In this guide, we will cover . . .
- What is a home warranty?
- Why should you have home protection on your Maryland home?
- What should you look for when purchasing a home warranty?
- The 6 best home warranty companies in Maryland
- And much more!
Limited Time: New Customers Get $50 Off
Limited Offer: $50 Off + 1 month free
Limited Time: $150 Off + 2 Free Months + roof coverage
When the summer months hit in an area like Ocean City, where the humidity and salt in the air will be pretty high, you may notice a more rapid breakdown of systems and appliances in your Maryland home. A home warranty can step in and help to cover the costs of repairs and replacements.
If you are looking to have more control of your monthly budget in your home, and be able to live as a homeowner with more peace of mind, take a look at these top 6 Maryland home warranty companies.
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.
Top 6 Best Home Warranty Companies in Maryland:
- Choice Home Warranty (Best Overall)
- American Home Shield (Most Customizable)
- Select Home Warranty (Most Affordable)
- Liberty Home Guard (Best Reviewed)
- First Premier Home Warranty (Best Coverage)
- Cinch Home Services (Best Workmanship)
Maryland Home Warranty Companies Reviews
Breaking down the more than 70 home warranty plan options for Maryland residents took a bit of time and energy. To do this, we compared the BBB ratings, coverage options, pricing and plan choices, and more. Here are the top 6 home warranty companies in the state of Maryland.
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. ReviewHomeWarranties.com 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.
1. Best Overall: Choice Home Warranty
Choice Home Warranty is the best overall home warranty policy in the state of Maryland. The Choice Home Warranty plan is offered from Garret to Worcester and everywhere in between. Choice Home Warranty has a straightforward service contract that will help you understand exactly what is covered under your home warranty policy. In addition, this company has more than 13 years in the home warranty industry, making it one of the more trusted choices on the market.
- Comprehensive plan options
- Simple contract
- Offered across the entire state of Maryland
- Reasonable service fees
- A good sign-on incentives and cancellation policies
- Fair pricing overall
- No option to build out a plan the way other home warranty companies do
Plans and Pricing
There are only two Choice Home Warranty policies; however, they are both considered combo options with appliance and system coverage included. Getting comprehensive coverage without paying for a premium policy is an excellent feature of the Choice plan.
- Basic Plan: $42 per month
- Total Plan: $50 per month
- Service Fee: $85 per month
The coverage caps or policy limits are significant numbers to keep track of as you look through the best home warranty companies on the market. Choice Home Warranty offers coverage caps of around $3000 for almost all of its covered items. This is some of the highest on the market. Some of the coverages that Maryland homeowners include in their policy are . . .
- Plumbing system
- Washing Machine
- Water Heater
- HVAC system
- Heating System
What Customers Are Saying:
“This is my 1st time to have to use a home warranty company for a repair. Our A/C had gone out, and in 24hrs, they had an appt made for our repair, and the company they chose was the absolute best. The repairman was kind, courteous, and efficient. Thank goodness I had Choice Home Warranty!” Source
2. Most Customizable: American Home Shield
American Home Shield is the most customizable plan for Maryland homeowners. If you live in coastal Maryland or Western Maryland, your home will likely be unique. The American Home Shield home warranty allows homeowners to build and customize a unique plan to their Maryland home. With over 50 years in the home warranty industry, this kind of plan customization and expertise is a tremendous benefit.
- It has been on the market for more than 50 years
- Can build out your custom plan and customize pricing
- Impressive customer service
- Plenty of add on coverage choices
- Considered to be a more premium policy
- Some of the policy choices are priced a bit higher
Plans & Pricing
The three American Home Shield plans are the Silver Plan, Gold Plan, and the Platinum Plan. The Platinum Plan can give you complete peace of mind that your Maryland home is functioning to the highest levels possible. However, the Gold Plan is a good mix between fair pricing and adequate coverage.
- Silver Plan: $45 per month
- Gold Plan: $55 per month
- Platinum Plan: $79 per month
- Service Fee: Service fee can range from $75 to $125 and will impact monthly pricing
Maryland homeowners will quickly realize that the AHS plan is considered to be a premium choice. With the high coverage caps, depth of coverage, and unique add-on options, you can make the AHS plan whatever you need it to be. Some of the most popular covered items from American Home Shield are . . .
- Heating system
- Swimming pool and spa
What Customers Are Saying
“My a/c compressor was making unpleasant noises, so I submitted a service request with AHS. I was a bit worried that I would get a subpar contractor who was the lowest bidder to AHS. I was pleasantly surprised that they were friendly, showed up on holiday, and diagnosed and fixed the issue in 15 minutes.” Source
3. Most Affordable: Select Home Warranty
Select Home Warranty is the most affordable home warranty in the state of Maryland. Homeownership is becoming more and more expensive, and sometimes adding another expense to your monthly budget is a tough decision. However, with the Select Home Warranty, you can end up saving yourself quite a bit of money. Each plan has impressive coverage, lower service fees, and comes with free roof leak coverage for your home. Whether your home is in Annapolis, Kennsington, or Bowie, the Select Home Warranty will quickly show you its value.
- Impressive customer service
- Nine years in the home warranty industry
- High workmanship quality
- Known for having good value across the state of MD
- Some of the covered items have lower policy limits
- Not always the best plan for high-end appliances and systems
Plans and Pricing
The Select Home Warranty offers three plans for homeowners in Maryland. The Gold Care and Bronze Care plans are priced the same and cover either systems or appliances. The Platinum Care plan is just a few dollars more per month but offers double the coverage.
- Gold Care: $41 per month
- Bronze Care: $41 per month
- Platinum Care: $47 per month
- Service Fee: $65
The coverage for Select Home Warranty is a bit more limited than other home warranty companies on the market. One of the ways that they help to lower their overall costs is by keeping the coverage a little less broad. Some of the most popular home warranty coverages from Select include . . .
- Heating systems
- Ceiling fans
- Free Roof Leak Coverage
What Customers Are Saying
“This was my first claim with Select and all went well. I filed the claim online and the next day Susina appliance repair contacted me with a date and time. The technician that came to my home was knowledgeable and professional. Me being a retired contractor I can tell you when someone knows their job or not. I was very pleased with the whole process and time needed to complete the job. One and done !!!” Source
4. Best Reviewed: Liberty Home Guard
The Liberty Home Guard plan is an excellent choice for those looking for a valuable and highly rated company in the state of Maryland. Liberty Home Guard has only been on the market for two years, yet they have managed to earn an A rating from the BBB. If you like to ensure that all areas of your Maryland home are covered, the LHG plan will be a great choice.
- BBB rating of an A
- Quick response times to inquiries and claims
- 60 Day workmanship guarantee
- Add on coverage list is the longest in the market
- Optional plan choices tend to be priced a bit high
- To get a very comprehensive policy, the price increases considerably
Plans and Pricing
There are three Liberty Home Guard policies to choose from. If you don’t mind paying a few extra dollars per month, there are plenty of add-on coverages to add to the plan as well. These add-on coverages will start to increase the overall price that you pay for your policy.
- Appliance Guard: $40 per month
- Systems Guard: $45 per month
- Total Home Guard $49.99 per month
- Service Fee: $60
If you like your Maryland home to be protected entirely, LHG is an excellent plan to consider. The three plan choices offer extensive coverages, but then the add-on will take things over the top. It’s going to cost you quite a bit of money to have every system and appliance covered, but it also brings quite a bit of peace of mind. Maryland homeowners typically enjoy the following coverages as part of their Total Home Guard plan from LHG...
- Garbage disposal
- Plumbing Systems
- Water Heater
What Customers Are Saying:
“My water heater claim was dispatch the same day I placed the request; the technician was very professional and made sure to be attentive to keep the cleanliness of my home. The only thing I would’ve had to wait on (which was beyond anyone’s control)l was that my pilot light part was on backorder because my water heater was 17 years old, but liberty just replaced it since they had units stocked. Overall fantastic experience 5/5” Source
5. Best Coverage: First Premier Home Warranty
First Premier Home Warranty is the best home warranty for Maryland residents looking for extensive coverage. This First Premier Home Warranty is a new plan option on the market, yet they have an A- rating with the BBB. As this company grows and expands throughout Maryland, we expect to see the coverages continue to improve and expand.
- BBB rating of A-
- Modern technology and systems in place
- Growing and expanding each day
- Low overall costs if you pay upfront
- A short period of time on the market
- Not everyone wants to pay upfront for a policy from a new company
Plans & Pricing
There are only two plans from First Premier Home Warranty for customers to choose between. Each of the plans can be reduced significantly in price by paying upfront for the entire year. If you are a good saver and want to help lower the total cost of your policy, this is a nice option to have.
- Premier Plan: $43 per month
- Platinum Plan: $50 per month
- Service Fee: $75
First Premier Home Warranty is a company that stands out when it comes to coverage. The plan has very wide coverage options and choices, yet you must be aware that the policy limits of each of these plans are going to be relatively low. Essentially you get a little bit of coverage on a wide variety of systems and appliances. Some of the most popular coverage choices for Maryland homeowners include . . .
- Water heater
- Plumbing system
- Electrical System
What Customers Are Saying
“Great response in a timely manner. Excellent professional technicians. I have never had a problem with the First Premier Home Warranty. My dishwasher was “dead,” with no power. FPHW has sent their technician the next day, and he determined the control board burned. He ordered the spare part, and 2 days later, my dishwasher was working smoothly. Great experience. Keep up the great work.” Source
6. Best Workmanship: Cinch Home Services
The Cinch Home Services warranty offers the best workmanship for a Maryland home warranty. The workmanship will help to ensure that any repair completed by the home warranty plan will actually work. This helps avoid having to pay more than one service fee for a single repair. The Cinch Home Services workmanship guarantee is 180 days from the time of the original repair. WIth more than 40 years in the industry, Cinch Home Services makes a great choice for a home warranty plan.
- 40 years in the home warranty business
- 180-day workmanship guarantee
- Three moderately priced plans
- Higher service fees or deductible pricing
- Some negative customer reviews with certain contractors
Plans and Pricing
There are three Cinch Home Services plans to choose from. When you are budgeting for your home warranty it is important to also look at the depth of coverage in the plans. The Complete Home Plan offers the best value for Maryland homeowners.
- Appliances plan $44.99 per month
- Built-In Systems Plan: $51.99 per month
- Complete Home Plan: $61.99 per month
- Service Fee: $100-$150
The Cinch Home Warranty is another plan that offers a wide range of coverage, but doesn’t have the highest coverage caps or limits. In addition the Cinch Home Services policy has some higher deductible costs. Overall you may find that the Cinch Home Services coverage lineup is a good option for your home. Maryland homeowners typically have a combination of the following coverages on their plan . . . .
- Septic tank
- Sump Pump
- Ice Maker
- Plumbing System
What Customers Are Saying
“”Superb. Couldn't recommend more highly! We have used their services and have sold homes that come with their warranties. In a world where customers feel disposable and calls are shuffled from one representative to another, it makes me so happy to know that there is at least one company that is committed to doing the right thing. Cinch resolved my recent concern so swiftly and completely there there is nothing left for me to do but repay their commitment by leaving a glowing recommendation each and every time I am able. We buy and sell property and never before have I paid attention to the home warranty I was offering. I will always, ALWAYS, choose Cinch from here on out. Always!” Source
Compare Maryland Home Warranty Providers
|Provider||Visit Site||Best For||Monthly Cost||Service Fee||BBB Rating|
|Choice Home Warranty||Site||Best Overall||$40 - $48||$85||B-|
|American Home Shield||Site||Most Customizable||$50 - $60||$75 - $150||B|
|Select Home Warranty||Site||Most Affordable||$36 - $38||$60||B|
|Liberty Home Guard||Site||Best Reviewed||$40 - $60||$60||A|
|Cinch Home Services||Site||Best Workmanship||$28 - $40||$100 - $150||A-|
|First Premier Home Warranty||Site||Best Coverage||$45||$75||B-|
Home Warranty Coverage in Maryland Cities
What You Should Consider Before Buying A Home Warranty in Maryland
Although we have given you the top six home warranty companies in the state of Maryland, it is now time for you to narrow down which plans could be the best for your home. Certain plan features stand out when trying to compare one provider to the next. In addition, there are some specific concepts that Maryland homeowners need to keep in mind.
If your home is in Baltimore, Towson, or Ellicott City, it will likely have unique features and special systems or appliances. Coverage caps will give a repair or replacement cost maximum for each covered item in your home warranty plan. The coverage caps are going to range from around $400 to $3000. For high-end homes the higher coverage caps are necessary.
History In The Industry
A home warranty company like American Home Shield that has spent the last 50 years in the home warranty industry is considered very well known, premium, and one of the more trustworthy plans on the market. Looking at the history, how a company has grown, and what they do well will help you narrow down this list.
Some Maryland home warranty plans will offer you the ability to pay for the plan upfront for the year. Many of these options will help you save money as they offer significant price reductions when paying for the plan upfront in this way. Payment options are an excellent benefit to have with a policy, especially if you are good with budgeting.
Home Warranty Tips for Maryland Residents
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?
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. It doesn’t matter if you live in Baltimore, Annapolis, or Ocean City; you can get some frigid days that will require a heating system.
Another critical factor that needs to be considered while choosing a home warranty is the one that real estate agents value most: the house’s location.
Its location near the Atlantic coast makes Maryland prone to tropical cyclones and hurricanes. While it is vital to have home insurance that would cover damage caused by natural disasters, keeping the electrical system, plumbing, and sewage in good working condition is equally important.
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.
One of the great things about Maryland is how diverse each of the different cities can be. Living in Frederick, Rockville, or Baltimore will bring about different types of homeownership. Yet, a Maryland home warranty will help offer coverage in all of these areas.
Home Warranty Regulations in Maryland
A home warranty is something that you will have to sign a contract on. Making sure that you understand what you are signing up for and how it will impact you from a cost standpoint is quite important. The state of Maryland covers home warranty under the Maryland Service Contracts and Consumer Products Guaranty Act. This requires all home warranty companies to disclose information about the services that they offer.
Although this is a somewhat helpful service, it won’t do much if your home warranty company starts to breach its end of the contract. It’s important to only choose a company with a good history on the market that is known to be reputable.
The great thing about the top six plans we chose for Maryland is that they are all in good standing with the state of Maryland and are nationally recognized home warranty providers. This means that regardless of if you live in Maryland City, Bethesda, or Salisbury, you will be investing in a well-known brand.
A Maryland home warranty is a very practical plan to invest in. The plan will help you keep your home functioning and error-free during all seasons of the year. With the climate in Maryland, it is vital to choose a home warranty company with great system coverage. The Choice Home Warranty plan is the best overall home warranty in the state of Maryland. With the impressive customer service, fair pricing, and more than 13 years of history in the industry, it’s hard to go wrong with what Choice offers its customers.
Review Home Warranties Rating Methodology: How We Chose the Best Home Warranty Companies
At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our best home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what our review process looks like:
- We call every home warranty provider, talking to sales agents and company representatives to gather accurate information on:
- Fine Print
- Plan Options
- Service Contract Details
- Customer Service
- Ratings and Reviews
- Add-On Options
- Additional Benefits
- We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
- We analyze the sample contracts and fine print from each brand we review. This allows us to break down the industry jargon, check for hidden stipulations, and see what is and isn’t covered so we can give readers straightforward information.
- We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other.
From here we created a comprehensive, 100 point, rating scale based on the following factors:
- Plan options (25): Providers that offer more flexibility in their plans are rated higher.
- Coverage specifics (5): The more items covered in a home warranty plan, the higher the score.
- Pricing (25): We take the monthly fee and service fee into consideration when rating pricing.
- Trustworthiness (25): We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
- State availability (5): Finding coverage in your state can be a challenge if home warranty companies aren’t located there. The more states covered, the higher the score.
- Customer service (10): Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service.
- Additional benefits (5): Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher.
Of the 50 different companies that we’ve reviewed, we've broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.