Top Best Home Warranty Companies In Maryland Review

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. Finding the best home warranty company in Maryland for your home can save you thousands in home appliance and system repairs.

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!
Editor's Choice
98.0

Limited Time: New Customers Get $50 Off
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Best Overall
98.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
97.6

Limited Time: $150 Off + 2 Free Months + roof coverage
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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. 

Best Home Warranty Companies in Maryland

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.5
  • $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 98.0
  • 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 97.6
  • $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 The Home Service Club
Editorial Rating 97.2
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Limited coverage
  • 1 day to submit a claim
  • Limited plan selection
  • Fewer contractors available
  # 5 Liberty Home Guard
Editorial Rating 96.5
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 6 First Premier Home Warranty
Editorial Rating 95.3
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Online chat not supported
  • Lower cap on item replacement
  # 7 Cinch Home Services
Editorial Rating 95.7
  • 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.

Top 7 Best Home Warranty Companies in Maryland:

Compare Maryland Home Warranty Providers

ProviderVisit SiteBest ForMonthly CostService FeeBBB Rating
Choice Home WarrantySiteBest Overall$40 - $48$85B-
American Home ShieldSiteMost Customizable$50 - $60$75 - $150B
Select Home WarrantySiteMost Affordable$36 - $38$60B

Home Service Club

Site

Best For Quick Coverage

$50-$63

$65-$125

NA

Liberty Home Guard

Site

Best Customer Service

$40 - $60

$60

A

Cinch Home Services

Site

Best Add On Coverage

$28 - $40

$100 - $150

A-

First Premier Home Warranty

Site

Best Coverage

$45

$75

B-

Maryland Home Warranty Costs

Part of being a Maryland homeowner is ensuring that you are smart with your finances and ensuring a home warranty is an excellent financial decision. For those that own a home in Maryland, the cost of a home warranty can vary based on the type of the home and the coverage. Home warranties will take into consideration the costs for the monthly prices, service fees, coverage caps, and more. At Review Home Warranties, we realized the importance of understanding the average costs of a home warranty. We have done in-depth research to develop the average cost of a Maryland home warranty across several different home types. This is a great starting point to have before getting quotes from home warranty companies. 

Type

Average Annual Premium

Overall

$726.92

Single Family Home

$613.48

Multi-Family

$1,069.06

Townhome

$535.54

Condo

$592.36

Home Over 5,000 sq. ft.

$1,294.73

Home Under 5,000 sq. ft.

$638.40

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 Maryland. Choice Home Warranty's plans are 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. CHW also has collected an impressive amount of positive reviews regarding customer service, coverage options, and monthly payments. With both plans running under $55 per month, you can't go wrong with Choice. 

Pros

Cons

Comprehensive plan options

No option to build out a plan the way other home warranty companies do 

Simple contract

 

Offered across the entire state of Maryland  

 

Reasonable service fees

 

A good sign-on incentives and cancellation policies

 

Fair pricing overall 

 

Plans, Pricing, and Coverage

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. The Basic plan covers 14 items, while the Total Plan covers those plus 4 more: washer, dryer, refrigerator and air conditioning. The Total Plan is the perfect idea for anyone looking to have complete coverage and runs under $54 for Maryland homeowners. Although the service fee of $85 may seem high at first glance, the low monthly premiums make these plan well worth it. You won't find a plan elsewhere with this much coverage at such an affordable cost. 

Take a deeper look at Choice Home Warranty’s protection plans:

  • Basic Plan ($42 per month): The Basic Plan from Choice Home Warranty is one of the most comprehensive home warranty plans for the price. There are 14 total covered items, including ceiling fans, cooktop exhaust fans, dishwasher, ductwork, garbage disposal, ductwork, electrical system, garage door opener, heating system, oven, microwave, plumbing system, toilet, and water heater. Not that A/C and refrigerator coverage are not part of this plan. 
  • Total Plan ($53.33 per month): The Total Plan is the most popular Choice Home Warranty plan. Although the Total plan is a bit more expensive, it has some essential coverages. There are 18 covered items under the Total Plan from Choice Home Warranty, and AC is included. 
  • Optional add-ons: Choice Home Warranty does not have too many add-on options for homeowners; however, you will have the basics like central vacuum, septic tank, sump pump, well pump, and pool and spa. The optional coverages will vary in price depending on the overall expense to repair or replace.

Plan

Cost Per Month

Service Fee

Basic Plan

$45

$85

Total Plan

$53.33

$85

What Customers Are Saying: 

 Consumer Affairs customer reviews:

“We have been with Choice Home Warranty for a short time, there service has been great!! There haven't been long wait period for a service technician to come out and when items had to be replaced case managers worked with us on a compromising settlement." - Nique N.

Find out more information from our Choice Home Warranty Review.

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. 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. Not only can you customize your coverage, but AHS allows you to choose your service fee as well. A higher service fee means you'll pay a lower monthly premium and vice versa. Unlike other home warranty providers in Maryland, American Home Shield also covers breakdowns due to lack of maintenance on a covered item.

Pros

Cons

It has been on the market for more than 50 years 

Considered to be a more premium policy 

Can build out your custom plan and customize pricing 

Some of the policy choices are priced a bit higher

Impressive customer service 

 

Plenty of add on coverage choices

 

Plans, Pricing, and Coverage

The three American Home Shield plans are ShieldSilver, ShieldGold and ShieldPlatinum. The Platinum Plan can give you complete peace of mind that your Maryland home is functioning to the highest levels possible, covering 27 major home systems and appliances for as low as $59.27. However, ShieldGold is a good mix between fair pricing and adequate coverage. American Home Shield allows it policy holders to choose their service fee of $75,$100, or $125. A higher service fee would mean you pay a lower monthly premium. With the flexibility to choose your plan, your monthly cost and your service fee, it does not get much better than American Home Shield. 

Here’s a more detailed look at American Home Shield’s Plans (note: these are prices for a $75 service fee): 

  • ShieldSilver™ ($45 per month): The three plans from American Home Shield are priced a little higher than some other plans on the market; however, they tend to have higher coverage limits. The ShieldSilver is the most basic plan and the lowest priced. The plan covers six home systems, including air conditioning, electrical system, doorbells, garage door opener, water heater, and ductwork. Most systems will come with a coverage cap of $2,500, but this can be more or less depending on the individual item. 
  • ShieldGold™ ($55 per month): The difference between ShieldSilver and ShieldGold is quite impressive. ShieldGold has 23 systems and appliances, including the six you will find with ShieldSilver. ShieldGold is a comprehensive plan and has a customizable service fee. You can make this plan work for you financially and add the coverage you need. 
  • ShieldPlatinum™ ($79 per month): ShieldPlatinum is the most comprehensive home warranty in Maryland. The plan has 27 covered items and very high coverage caps. Some coverage caps can go as high as $6,000. ShieldPlatinum is one of the most expensive home warranty plans on the market, but something that many Maryland homeowners find to be well worth it.
  • Optional add-ons: There are a few optional or add-on coverages from American Home Shield, including pool and spa, electronics, television, septic systems, and well pumps. With American Home Shield, you will be able to put together a custom plan that works for the specifics of your home.

Plans

Cost Per Month

Service Fee

ShieldSilver

$29.27-$44.27

$75 - $125

ShieldGold

$39.27-$54.27

$75 - $125

ShieldPlatinum

$59.27-74.27

$75 - $125

What Customers Are Saying

“American Home Shield has always sent somebody in a timely fashion, and has always sent courteous, professional people. Thank you" - Cheryl H.

Read more on our American Home Shield Review.

3. Most Affordable: Select Home Warranty 

Select Home Warranty is the most affordable home warranty company in Maryland. Homeownership is becoming more and more expensive, and sometimes adding another expense to your monthly budget is a tough decision. However, with Select Home Warranty, you can end up saving yourself quite a bit of money. With three plans to choose from and low monthly premiums, you can't go wrong choosing Select. Each plan has impressive coverage, lower service fees, and comes with free roof leak coverage for your home. With Whether your home is in Annapolis, Kennsington, or Bowie, Select Home Warranty will quickly show you its value. 

Pros 

Cons

Impressive customer service

Some of the covered items have lower policy limits 

Nine years in the home warranty industry 

Not always the best plan for high-end appliances and systems

High workmanship quality

 

Known for having good value across the state of MD

 

Plans, Pricing, and Coverage

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 at 15 items in your home. The Platinum plan covers all of your essential systems like air conditioner, heating, and electrical, plus home appliances such as refrigerator, washer and dryer, and dishwasher. For under $66 per month, this is a steal. Select offers an industry service fee of $60, making this plan even more affordable.

Take a look at Select Home Warranty’s plan options:

  • Bronze Care Plan ($57.67 per month): The great thing about Select Home Warranty is that all of their plans are fairly priced. The Bronze Care Plan is an appliance-only option, and it includes seven major appliances. These include garbage disposal, dishwasher, clothes dryer, microwave, oven, refrigerator, and clothes washer. For the price, the Bronze Care plan is hard to beat.  
  • Gold Care Plan ($57.67 per month): The Gold Care Plan is the same price as the Bronze Care plan. However, with Gold Care, you will get coverage for systems instead of appliances. This plan is limited to just six systems, but they are more expensive for most homeowners to repair than the appliances. The systems covered are air conditioner, ductwork, electrical, heating, plumbing systems, and water heater. The Gold Care and Bronze Care have the same price, but many Maryland homeowners feel that the Systems Plan offers more value because of the higher-end items it covers. 
  • Platinum Care Plan ($62.08 per month): The Platinum Care Plan from Select Home Warranty is the most popular plan. Maryland homeowners have quickly caught on to the fact that the Platinum Care plan is just a few dollars more per month but has double the coverage, including all items on both plans plus three more: ceiling fans, garage door opener, and plumbing stoppages. 
  • Optional add-ons: There are just a few add-on coverages from Select Home Warranty, including pool, spa, septic system, lawn sprinklers, stand-alone freezer, central vacuum, well pump, and sump pump. It is important to remember that with Select Home Warranty you also get free roof leak coverage with all of their plans.

Plans

Cost Per Month

Service Fee

Gold Care

$57.67

$60

Bronze Care

$57.67

$60

Platinum Care

$62.08

$60

What Customers Are Saying

"Electrician checked everything and found the problem in no time. The appliance repair was extremely knowledgeable and fixed the problem promptly. Thumbs up to SHW LLC."Henry T.

Learn more from our Select Home Warranty Review.

4. Best for Quick Coverage: Home Service Club

The Home Service Club is the best Maryland home warranty for quick coverage. Most home warranty companies will have a 30 day waiting period before allowing a homeowner to access the home warranty, but Home Service Club allows access after just 10 days. The Home Service Club has been on the market for 13 years, and they have put together some of the best home warranty coverage for both system and appliance coverage. The Home Service Club home warranty does not require an inspection for you to get your plan started either. For plans under $63 per month, one of which covers over 25 items, HSC is a great option for your MD home.

Pros

Cons

No inspection is needed before the plan starts

Can be a high service fee

The plan starts after ten days 

Not accredited by the BBB 

Extensive coverage options even in the basic plan 

 

Plans, Pricing, and Coverage

Home Service Club has two plans for homeowners in Maryland to choose from. These two plans are very straightforward and make it relatively easy to make your policy choice. The Standard Coverage Plan is more of a value plan, covering 18 appliances for under $51 per month. The Comprehensive Coverage Plan is the Premium option, covering 27 items for only $62.90 a month. However, the coverage included in the Standard Plan is better than most other premium plans on the market. Pricing is fair, and you will set the service fee of $60, $75, or $95 when you purchase your policy. 

Take a more detailed look at HSC’s home warranty plans:

  • Standard Coverage ($50 per month): The Standard Plan is the most basic option from The Home Service Club. However, the coverage is not at all basic. Homeowners will benefit from the number of covered items included in the standard coverage plan. The coverages include air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more.  
  • Comprehensive Coverage ($63.00 per month): The Comprehensive Coverage Plan from The Home Service Club takes the Standard Plan and increases the coverage. There are about ten more coverages as part of the plan. With the Comprehensive Plan, you will get things like gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. It is always essential to ensure that you check coverages so that you don’t pay for a plan that you do not need. 
  • Optional add-ons: Home Service club offers 12 additional or add-on coverages as part of their home warranty plan. Take a look at the Comprehensive Coverage to ensure it doesn’t already have the coverage you need. The add-ons include things like a well pump, service line, plumbing sprinkler, spa and spa heater, free-standing freezer, water softener, and more. 

Plan

Cost Per Month

Service Fee

Standard Coverage

$50

$65-$125

Comprehensive Coverage

$63

$65-$125

What Customers Are Saying:

“Can’t tell how big the damage of the boiler was, but it sounded pretty serious when we heard the mini-explosion. I filed a claim on it, and HSC sent in a team to repair it. Apparently, it didn’t need repairing. It needed a replacement already! HSC took care of it for us, and by Monday, we had another boiler running for us.” -Kyle V.

Find out more by reading our HSC review.

5. Best Reviewed: Liberty Home Guard 

Liberty Home Guard 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. This stems from several hundred positive reviews, mostly praising LHG for having an excellent customer service team, quality service technicians, and a seamless claims process. If you like to ensure that all areas of your Maryland home are covered, the LHG plan will be a great choice. 

Pros

Cons

BBB rating of an A

Optional plan choices tend to be priced a bit high 

Quick response times to inquiries and claims

To get a very comprehensive policy, the price increases considerably

60 Day workmanship guarantee

 

Add on coverage list is the longest in the market 

 

Plans, Pricing, and Coverage

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. But for homeowners that want to choose from over 20+ options such as pest control and saltwater pool coverage, LGH is the best option. Liberty Home Guard also offers excellent coverage and coverage limits on all of the essential systems and appliances. Its service fee of $75 is pretty average for the home warranty industry.

Here’s a more detailed look at Liberty Home Guard’s plans:

  • Appliance Guard ($69.99 per month): Many home warranty companies include an Appliance Plan for the homeowner on a budget that needs minimal coverage. The Liberty Home Guard Appliance Guard is one of the better options on the market as it has 11 appliances on the plan. These will include a refrigerator, cooktop exhaust fan, ceiling fans, dishwasher, oven, clothes dryer, clothes washer, garage door opener, microwave, garbage disposal, and refrigerator ice-maker. This is a great starter plan for someone new to home warranties. 
  • Systems Guard ($74.99 per month): The Systems Guard plan is essentially the opposite of the Appliance Guard and covers nine systems. Systems typically cost a bit more to fix, which is the main reason for the slightly higher price tag. The systems included in this plan are air conditioner, electrical system, bath exhaust fan, ductwork, heating system, plumbing and plumbing stoppages, toilet, and water heater. 
  • Total Home Guard ($79.99 per month): Liberty Home Guard's Total Home Guard plan is the best option in Maryland because of the mix of system and appliance coverage. The pricing is just a few dollars more than the Systems plan, but combines the two plans to have a total of 20 covered items. You will have peace of mind about the majority of your home with a plan like Total Home Guard in place. 
  • Optional add-ons: Liberty Home Guard has one of the most extensive lists of add-on coverage on the market. Some of these coverages are rarer, like re-key service, pest control, gutter, floor cleaning, lawn sprinklers, and wine refrigerators—Add-ons costs range from $49.99 to $299.99 annually.

Plans

Cost Per Month

Service Fee

Systems Guard

$74.99

$75

Appliance Guard

$69.99

$75

Total Home Guard

$79.99

$75

What Customers Are Saying: 

“The technician was very efficient, he took the time to show me how to properly use the new part installed. He cleaned up the area he worked in and left me his card. I am very happy with the job that was done” - Toni E.

Read more about LGH on our Liberty Home Guard Review.

6. Best Coverage: First Premier Home Warranty 

First Premier Home Warranty is the best home warranty for Maryland residents looking for extensive coverage. First Premier Home Warranty is a new plan option on the market, yet they have earned an A- rating with the BBB. First Premier is quick to deal with customer complaints, has built a robust network of industry professionals, and offers a couple of excellent plan options. As this company grows and expands throughout Maryland, we expect to see the coverages continue to improve and expand, but for under $50 a month, First Premier is a great home warranty company. 

Pros

Cons

BBB rating of A-

A short period of time on the market

Modern technology and systems in place

Not everyone wants to pay upfront for a policy from a new company 

Growing and expanding each day

 

Low overall costs if you pay upfront 

 

Plans, Pricing, and Coverage 

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. If you pay the annual cost, it evens out to about $32 per month, which is lowest cost of virtually any home warranty policy. However, even if you pay monthly, getting a comprehensive Platinum Plan for under $50 per month is a great deal. The service fee is also very average at $75 per incident. First Premier's plan a guaranteed to give you the coverage you need at an affordable cost. 

Look at the details of First Premier’s protection plans:

  • Gold Plan ($43 per month): Even though First Premier is a newer policy, it has impressive coverage. The Gold Plan has 15 covered items, including ceiling fans, oven, cooktop exhaust, dishwasher, trash compactor, garbage disposal, ductwork, electrical system, garage door opener, microwave, plumbing system, stoppages, sump pump, and water heater.
  • Premier Platinum Plan ($50 per month): The Premier Platinum plan has 20 covered items, making it one of the best valued policies in the industry. The covered items are the 15 in the Gold Plan plus air conditioning, heating system, washer, dryer, and refrigerator. The price difference between Platinum and Premier Platinum is not all that much, so it makes more sense to invest in this plan option.
  • Optional add-ons: First Premier offers optional coverage on 12 items, including a free-standing ice maker, roof leaks, stand-alone freezer, septic tank pumping, well pump, water softener, central vacuum, refrigerator ice maker, lawn sprinkler, septic, spa, and pool coverage. Most of the coverage caps for First Premier are considerably lower due to the lower monthly cost.

Plans

Cost Per Month

Service Fee

Premier Plan

$43

$75

Platinum Plan

$50

$75

What Customers Are Saying 

“Wow! I put in a claim 1/24 with First Premier and they sent out a technician that same day!! They even spoke to the technician at my house and got this approved over the phone. Fastest warranty service Ive ever dealt with! So happy with my coverage." - Mkali M.

Find out more about First Premier with our First Premier Home Warranty Review.

7. Best Workmanship: Cinch Home Services 

Cinch Home Services home warranty offers the best workmanship for a Maryland home warranty. The workmanship will help to ensure that any repair completed by Cinch Home Services will actually work and hold out. This helps avoid having to pay more than one service fee for a single repair. 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. 

Pros

Cons

40 years in the home warranty business 

Higher service fees or deductible pricing

180-day workmanship guarantee

Some negative customer reviews with certain contractors

Three moderately priced plans

 

Plans, Pricing, and Coverage

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. Similar to AHS, Cinch Home Warranty offers three service fees to choose from: $75, $100, and $150. Again, a higher service fee results in a lower monthly premium and vice versa. The Complete Home Plan is ideal for any Maryland homeowner because it covers 31 major home appliances and systems, but for appliance-only for systems-only coverage, Cinch offers excellent options.

Here’s a deeper look at Cinch Home Services plans (note: these prices are based on a $100 service fee):

  • Appliances Plan ($44.99 per month): Cinch Home Services has a long history in the home warranty industry, and you can see this reflected in the quality and types of plans they have. Cinch Home Services' Appliance Plan is the most basic option with 11 covered appliances. These appliances include microwave, cooktop exhaust fan, trash compactor, clothes dryer, food center, refrigerator, free-standing ice maker, oven, refrigerator ice-maker, dishwasher, and clothes washer. 
  • Built-In Systems Plan ($51.99 per month): The Systems Plan from Cinch Home Services will only cover systems in your home. There is quite a bit of coverage for a systems-only plan that you get from Cinch. The Systems include air conditioner, ductwork, water dispenser, smoke alarms, sump pump, septic tank pumping, bath exhaust fans, cooktop fans, garbage disposal, doorbells, toilet, electrical system, heating system, water heater, plumbing, and plumbing stoppages, garage door opener, spa, central vacuum, attic fans, and whole house fan. 
  • Complete Home Plan ($61.99 per month):  The Complete Home Plan is the comprehensive option from Cinch Home Services. With the Complete Home Plan, you will get 32 covered systems and appliances. This plan is an impressive industry leader. In addition, the Complete Home Plan allows for a $500 homeowners insurance reimbursement and a credit towards A/C filters each policy period.
  • Optional add-ons: Cinch Home Services add-on coverages for Maryland residents can be a bit limited; however, you will find good coverage for pools and spas. It also offers the Premier Upgrade Package, which includes $1,000 for any unexpected costs that may pop up during a claim. If you don’t like surprises about an unexpected cost, Cinch Home Services' Premier Upgrade is a smart choice. 

Plans

Cost Per Month

Service Fee

Appliances Plan

$34.99-$50.99

$75- $150

Built-In Systems Plan

$39.99-$57.99

$75- $150

Complete Home Plan

$49.99-$67.99

$75- $150

What Customers Are Saying

”Our entire heating system died New Year's Day. We called for service and they showed up right away. After getting approval for a replacement, things went downhill. The technician was absent with no way to contact him because he had no working office phone or email. There was confusion over when/where the parts were located. While there were numerous problems with the contractor, the absolute BEST part of the entire experience was Craig R. He worked our claim from beginning to end and even called a week later to make sure the installation was complete to our satisfaction. Craig was and is a godsend. He deserves 10 stars and more! I would have given five stars overall if it were not for the inadequate business acumen of the contractor. He is great technically, just needs some business sense" - Francis T.

Find out more information on our Cinch Home Services Review.

Home Warranty Coverage in Maryland Cities

What Is A Home Warranty? 

A home warranty is a savings plan for homeowners, homebuyers, real estate agents, and even investors. When you have a Maryland home warranty in place, your chance of paying a large out-of-pocket expense for both home system and appliance repair and replacement is much lower. Homeowners who have a repair come up due to normal wear should only have to pay a service fee each time there is an issue. 

With a home warranty, you will still have to care for your home systems and appliances. If you do not keep up with routine maintenance, the home warranty company will not cover your next repair or replacement. A home warranty company typically responds to a service request within 24 to 48 hours. 

Homeowners in Maryland will not have to find their service contract providers; the home warranty company does this for you. Contract providers have to be well trained, and most home warranty companies have at least a 30-day workmanship guarantee associated with their home warranty policy. Home warranty plans have saved customers thousands of dollars for more than 50 years. 

How to Find the Best 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. 

Are You A First-Time Buyer? Check Out This Article!

Coverage Caps 

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. 

Payment Options

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. 

Read Also: Which Home Warranty Plan is the Cheapest?

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.

Maryland population per square mile

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.

Average Annual Precipitation in MAryland

Source: Daculaweather.com

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. 

Are You Looking For The Best Home Warranty For Pre-Existing Conditions? Check Out This Article!

Final Thoughts

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 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: 
    • Availability 
    • Pricing
    • Coverage
    • Fine Print 
    • Plan Options  
    • Service Contract Details 
    • Customer Service
    • Trustworthiness
    • Ratings and Reviews 
    • Add-On Options 
    • Promotions
    • Additional Coverage
  • 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.

Resources for Maryland Homeowners and Home Buyers

  • HUD Maryland Homeownership Assistance:  HUD Helps families of all income levels with issues that can come up during home buying or homeownership. HUD is a federal program with access to many different funds and grants that can help Maryland homeowners. If you are new to homeownership in Maryland, this is an option that you should look into before purchasing. 
  • The Maryland Mortgage Program:  For those that are interested in owning a Maryland home, it is crucial to secure an outstanding mortgage. With the Maryland mortgage program, you can access resources and lenders to secure your mortgage loan. 
  • Homebuyer and Homeowner Resources Bowie: The Homebuyer and Homeowner Resources Bowie will help residents of the Bowie area that are interested in finding deals, discounts, and great information about their Maryland home. In addition to purchasing a home warranty, ensuring you understand all aspects of homeownership is important. 
  • Baltimore Housing Finance Opportunities:  Baltimore Housing Finance Opportunities are a great way to ensure that you get the best possible financial deal on your Baltimore home. Sometimes homeowners are unsure as to whether or not they can afford a home; the Baltimore Housing Finance Opportunities can help. 
  • Maryland Weatherization Organization: Maryland Weatherization Organization is a federally funded program that helps homeowners in need of getting their homes ready for rain or winter weather. The Maryland Weatherization Organization can also help Maryland homeowners looking to make energy-efficient upgrades. 

Recap of Our Top Picks In Maryland

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.50
  • $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 98.00
  • 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 97.60
  • $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 The Home Service Club
Editorial Rating 97.20
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Higher fee for contract transfer
  • Fewer contractors available
  • Limited plan selection
  • 1 day to submit a claim
  # 5 Liberty Home Guard
Editorial Rating 96.50
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 6 Cinch Home Services
Editorial Rating 95.70
  • 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 Premier Home Warranty
Editorial Rating 95.30
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Limited plan selection
  • Online chat not supported

Nearby States

All states
Home warranty Delaware 36 companies available
Delaware Home Warranty
Home warranty Virginia 38 companies available
Virginia Home Warranty
Home warranty Pennsylvania 41 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.

Q.

Is a Maryland home warranty worth it?

A.
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 systems and appliances 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.
Q.

What are the best home warranty companies in Maryland?

A.
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
Q.

What do home warranties cover?

A.
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


Systems

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

Appliances

  • 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.
Q.

How much does a Maryland home warranty cost?

A.
Pricing for a home warranty in Maryland 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
Monthly
Annually
Top 5 Average
$56
$672

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.
Q.

How do I choose a good home warranty?

A.
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.