Whether you’re in Cleveland or Columbus, Cincinnati or Toledo, home warranty companies in Ohio are becoming increasingly popular. The Buckeye State’s residents who own a home are looking for coverage and protection while mitigating their maintenance expenses and overheads; at the same time home sellers and real estate agents want to make their properties as attractive as possible for potential home buyers and the best home warranty companies do precisely that. The only tricky part of it all is discovering the best home warranty companies in Ohio: credible, reputable firms who use qualified professionals and have clear terms and conditions.

Editor's Choice
97.0

Limited Time: New Customers Get $50 Off
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Best Overall
97.5

Limited Offer: $50 Off + 1 month free
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Most Affordable
95.8

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

  # 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 Total Home Protection
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
  • Get $100 Off Most Popular Plan!
  • 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: 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.

Climate and Geography

As an Ohio resident, you know that the climate in Ohio is generally temperate. The winters are cold with an average minimum of 42°F (6°C) in Columbus or Cincinnati. The summers are mild, around 60°F (16°C). The record low temperature in Ohio is –39°F (–39°C), set at Milligan on 10 February 1899. The record high is 113°F (45°C), registered near Gallipolis on 21 July 1934.

Because of its proximity to Lake Erie, Cleveland is the windiest city, with winds that average 11 mph (18 km/hr), and it receives the most snow, with average annual snowfall of 56.3 in (143 cm), while Columbus receives 28 in (71 cm), and Cincinnati 24 in (61 cm).

With these climate conditions, it would be wise to have the heating system covered under a good home warranty plan. The 2-10 Home Buyers Warranty plans, for example, cover all kinds of HVAC units such as central, including heating pumps, geothermal and water-source systems, built-in electric wall units, and multiple units.

How to choose a home warranty plan in Ohio?

The percentage of homeowners in OhioLet's take a closer look at the Ohio home warranty market. The top Ohio providers are happy to serve residents all over the state, from Columbus to the smallest villages and towns. As Ohioans proudly say, 50% of the US population lives within a 500-mile radius of Columbus, with more than two million living in the Columbus metropolitan area itself.

In 2016, Ohio ranked the 7th most populated state in the USA, with the overall population over 1.1 million people. Of them, 66.1% were homeowners. This number included the owners of not only single-family houses but also duplexes, townhomes, and apartments. Every homeowner is either current or a potential home warranty customer, as almost all home warranty companies offer coverage for any type of property, including mobile homes.

Single Family House or a Townhome?

There is a great selection of home warranty companies in Ohio. For some of the companies, for example, ABC Home Services, Columbus, Ohio, is the place of birth. Each one of these service providers offers a myriad of plans and it is extremely important to delve into the ins and outs of each of the home warranty programs offered for Ohio residents. 

A home warranty in Ohio is available for any type of residence, and you always have a selection of companies that will cater to your particular needs. For those residents who own larger houses with two air conditioning units, Choice Home Warranty would be the best option, as it will cover them both under the Total Plan. This plan is available for $450 if you choose a single payment or $40 per month if you prefer to make your payments monthly.

Another good company that covers up to two A/C and heating system units is Total Home Protection. For $500 a year, thrifty homeowners in Ohio can get all of their home systems and major kitchen and laundry appliances protected under the Platinum Plan. The majority of companies consider medium-size houses and townhomes, so they would cover only one unit per plan.

If you have other house systems or household appliances that you would like to focus on making sure you choose the right plan from a top 5 rated company, and that you make sure to not only understand the costs of that plan but actually which damages and wear are covered under the policy, and what are the replacement limits for that particular item. For example, American Home Shield has a higher replacement limit on many items such as plumbing ($1,000 cap) or refrigerators ($10 per pound, up to $3,000).

A Home Warranty for a Condominium

In many apartment buildings, home system repairs are the responsibility of the Home Owners Association, so if you own a condominium, you don't need to buy a "full" home warranty which includes the house system. For you, the best home warranty companies in Ohio, like Select Home Warranty, offer great home appliance plans. It includes coverage for all major kitchen and laundry appliances in your apartment, for an affordable cost.

 

Extended Warranty or Home Appliance Warranty?

Every house in the USA is packed with home appliances, such as refrigerator and oven, washer and dryer, microwave and dishwasher. Every new appliance comes with a manufacturer's warranty that covers any repairs and replacements due to the manufacturer's defects. As soon as this warranty expires, you can either expend it or purchase a home appliance warranty. Read our research on how these two types of appliance insurance compare and select the one that is best for you.

Best Home Appliance Insurance--Read Our Research

Another company that will have you covered in case you need a plan for appliances is America’s 1st Choice Home Club. It offers the Silver Plan that covers home appliances only. These include washer and dryer, refrigerator, gas or electric water heater, oven, range or cooktop, dishwasher, garbage disposal, and garage door opener. This plan is available for $450 a year.

A Home Warranty for a Mobile Home in Ohio

Modern mobile home covered under a home warranty

There are more than 234,000 mobile homes in the state of Ohio, an average of 2600 per county. This number could not be ignored by the best home warranty companies in Ohio, so they started to offer special plans for manufactured or mobile homes. American Home Shield, for example, offers one of the best home warranty plans in Ohio for very reasonable prices. Their appliance plan starts at $26.99, and the home systems plan starts at $27.99 per month.

If you have selected a plan, but it does not include all of the components that you need, many home warranty companies in Ohio offer a list of optional coverage items. These may include pool and spa, sump pump, well pump, septic system, additional home appliances, and even services such as limited roof repair. All of these items are priced separately and may be added to the plan of your choice at any time.

The houses in many cities in Ohio, including Columbus, Cleveland, Cincinnati, Toledo, and Akron, are quite old. The median age of the houses is sixty-seven years. Many new homeowners make little renovations to their homes, maybe one room at a time, and update their laundry and kitchen appliances. In case you have recently updated your appliances, you might not need any home warranty coverage for them, as they may be under the manufacturer’s warranty. In many cases, home warranties and manufacturer’s warranties cannot be combined.

For those homeowners who don't need home appliance insurance, companies like Pride Home Warranty offer coverage for home systems only. The Systems Plan usually includes all major home systems: heating and air conditioning, plumbing, and electrical system.

Home Warranty Regulations in Ohio

For every home warranty customer, it is important to know how home warranties in Ohio are regulated. The clear and modern legislative trend in Ohio, as well as in many other states, is to exempt home service from insurance codes and other, outmoded “home warranty” acts. This was done in Louisiana (2015), Tennessee (2011), Pennsylvania (2010) Georgia (2005), Kansas (2005), Mississippi (2003), Alaska (2003). Oregon (2003), North Dakota (2001), West Virginia (2000), Idaho (1999) and Montana (1999).

Best Home Warranties in Ohio 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).

Pros

  • Good Limits (up to $1,500)
  • Minimal Exclusions
  • More Affordable 

Cons

  • Only 15 Home Appliances & Systems Covered 
 

American Home Shield Review (Editor's Choice)

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

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!

Pros

  • Highest Payout Limits (up to $3,000)
  • Widest Coverage (21 systems and appliances)
  • Fewest Exclusions

Cons

  • Most Expensive

 

Select Home Warranty Review (Most Affordable)

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

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!

Pros

  • Most Affordable Service Contracts 
  • Roof leaks Are Covered In Their Platinum Plan

Cons

  • Ultra Pushy Sales
  • 3 Days To Submit Claim
  • Weaker Network Of Contractors
 

Liberty Home Guard Review

  • Service Fee: $75
  • Coverage: 10/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 8/10
  • Customer Service: 9/10
  • Rating: 95.10

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.

Pros

  • State of the art customer portal system
  • Rigorous testing for contractors
  • Ability to use your own contractors
  • Fair pricing
  • Good customer service for a newer company

Cons

  • Must report your issues within one day of noticing a problem
 

Total Home Protect 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

total home protection home warranty

Why Do We Like Total Home Protect?

Total 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 Total Home Protect 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, Total Home Protect covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • You Can Choose Your Own Technicians
  • Roof Coverage

Cons

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

Final Words About Purchasing a Home Warranty in Ohio

There are many other solutions that home warranty companies in Ohio can offer to the owners of single-family homes, condominiums, townhomes, and mobile homes. However, it may be confusing for a homeowner to choose the company that will satisfy all of their needs. This is why we selected the best home warranty companies in Ohio and collected as much information on them as possible—including aggravation of customer reviews—and organized it in the most convenient way. Using this guide you can discover the leading names in the local home warranty scene and decide which one offers the best plans for your individual requirements. 

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Frequently Asked Questions in Ohio

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

Q.

Is an Ohio home warranty worth it?

A.
To avoid costly repairs and replacement on the most important systems and appliances in your home, a home warranty is worth it.

Rather than paying for one or multiple repairs, you are paying one monthly premium to cover breakdowns of not one but well over a dozen appliances and systems in your home.
Q.

What are the best home warranty companies in Ohio?

A.
Our research leads us to examine every home warranty company available in Ohio. Here are the top five.

  1. Choice Home Warranty
  2. American Home Shield
  3. Select Home Warranty
  4. Liberty Home Guard
  5. Total Home Protection
Q.

What do home warranties cover?

A.
A home warranty is meant to cover those issues that a homeowner’s insurance policy does not. 

Commonly covered appliances include:

  • Clothes Washer
  • Clothes Dryer
  • Dishwasher
  • Refrigerator
  • Oven/stove/range
  • Built-in Microwave

Commonly covered systems include:

  • Electrical System
  • Plumbing System, including stoppages
  • HVAC System, including ductwork
  • Water Heater
Even smaller systems and appliances are often covered, like vent and ceiling fans, doorbells, and garbage disposals. 

Most home warranty companies also offer add-on coverage for things like sump pumps, well pumps, septic pumps, pool and spa, and limited roof leaks. 
Q.

How much does a home warranty cost?

A.
Monthly premiums for a home warranty can range from the low $40s to the high $60s depending on what kind of policy you decide on. Besides the premium payments, there is the cost of a service call fee each time you put in a claim and have the home warranty company send a service technician come to your home.

Here is the average cost of a Combo Plan from our top five Ohio providers.

Combo Plan
Monthly
Annually
Top 5 Average
$59
$708
Q.

How do I choose a good home warranty?

A.
To choose the right home warranty for you, follow these steps:

  1. Research - Find out what providers and plans are available in your area. What is the reputation of the companies you are researching? How long have they been in business? These are the kinds of questions that will help narrow down your options.
  2. Get multiple quotes - You’ll want to get quotes for the exact coverage you want from several home warranty providers.
  3. Read the fine print - Before you sign anything, take a careful look at the service agreement. Understand what is and is not covered.