Compare Top Home Warranty Plans 2018

With a huge variety of home warranty plans on the market, finding the one which is most suitable for your needs could be rather tricky. We have analyzed more than 100 different home warranty plans

by more than 2 dozen companies, and are proud to present our readers with a selection of the best home warranty plans for 2018.  We stick to the plans which are well-balanced in terms of price and coverage, so in that in our expert opinion, they give you the best protection for your buck.

Use our charts below to compare both basic and more advanced home warranty programs. Make sure you read company reviews to get a complete understanding of the offering.  Each of these comparison tables will change based on your location in the U.S, so it doesn’t matter if you are from California, Texas, Arizona, Maryland, Utah or anywhere else in the USA!

Top Rated Plans for August, 15th, 2018

Premier Plan

 

 

 

96.8

Rating

 

34.00
This is an excellent plan for the new homeowners to start with. It covers heating, electric and plumbing systems, and a whole range of kitchen appliances.

Basic Plan

 

 

 

91.2

Rating

 

29.00
This plan will give you a taste of home warranty for a very competitive price. Plumbing and electrical systems are included, as well as a water heater, whirlpool, bathtub, and an exhaustive list of kitchen appliances.

Systems Plan

 

 

 

98.5

Rating

 

36.00
Gold Care plan is an excellent choice for home systems coverage. It includes heating system, water heater, plumbing system, ductwork, A/C cooling, and electrical system.

Appliance Plan

 

 

 

83.8

Rating

 

19.99
White plan is recommended for those homeowners who want to get coverage for the following appliances:  dishwasher, refrigerator, stove/cooktop, garbage disposal, oven range, built-in microwave, washer, and dryer.

How to Choose the Right Home Warranty Plan

Our unique 2000-word long guide. Click here if you want to read about the most recommended home warranty plans.

As soon as they buy a house, every homeowner has to face the question: which home warranty to choose? In some cases, real estate agents make this decision for the homeowners, by offering a one-year contract with the home warranty company of their choice as a housewarming gift. In other cases, a home warranty contract is transferred from the previous homeowner to the new one. However, these contracts may not be the optimal solution for the new owner of the house.

What are the most common problems that may arise when the homeowner does not select their home warranty carefully? First of all, you may not realize what is covered by your home warranty plan, and what is not covered. This may lead to very unpleasant surprises when a home system or appliance malfunctions, and the home warranty company denies the claim.

We have analyzed information for 43 home warranty companies including customer reviews. We found that about 7% of the customers complained about tricky terms and conditions, and more than 33% experienced problems with coverage of their home systems or appliances. In the figure below you can see how often the customers mentioned various problems with the home warranty companies.

Home Warranty Customer Complaints by Tyoe

 

Another big problem may arise when a crucial home system, like an air conditioning in summer or a heating system in winter, breaks. You call your home warranty company, but they don’t have emergency services. You have to wait several days until the company sends you a contractor, and then even more time until the contractor fixes the problem. According to our data, emergency services were available in 87% of the home warranty companies. Only 13% of the companies will make you wait for service.

Another unpleasant surprise that may occur—if you have not done your homework before signing a home warranty contract—is the unexpected expenses on top of the home warranty premium and deductible that you have already paid. Almost 8% of customers complain about the unexpected costs. Did you know that most home warranty companies have coverage limits for each covered item, and if repair expenses go beyond this limit, they are your responsibility?

These are the main reasons why homeowners like you need to choose their home warranty plans carefully, learn as much information about them as possible, and make an educated decision that will help avoid the pitfalls mentioned above.

Find The Best Home Warranty Plan


We at ReviewHomeWarranties have compared and rated more than 20 home warranty providers to date.


Come and see our findings and recommendations of the best value-for-money plans available right now:

Discover The Best Home Warranty Plans 2018

Selecting a Home Warranty Step-By-Step

So, you have bought a new house and are now looking for a home warranty, correct? First of all, congratulations on your purchase! Now let us lead you through the process of selecting the best home warranty plan for your new house.

Let’s assume your house is in Texas, and you want to purchase a home warranty for all major home systems and appliances. The most common home systems covered by home warranties are air conditioning, heating, electric, and plumbing. For the home appliances, the majority of the companies cover refrigerator, oven, dishwasher, built-in microwave, washer, and dryer.

Additionally, many companies cover ceiling fans, garage door, disposal, trash compactor, doorbell, water softener, and other appliances either as a part of the coverage plan or as an optional add-on item. In the figure below, you can see how often home warranty clients mentioned claims for various home systems and appliances in their reviews of different home warranty companies. Air conditioning and heating systems were mentioned the most often—fifteen and ten percent—respectively.

Types of Repairs Covered by Home Warranty

The first step will be to choose a company that works in Texas, but don’t rush to the plan selection yet. First, look at the company’s accreditation with the Better Business Bureau. As of April 2018, sixty-three percent of home warranty companies were accredited with BBB.

Another question that may be of interest to you is: How long has the company been on the market? The older the company, the more reputable it may be. Below you can see the statistics on the companies’ age. Almost 30% of the companies have been in business between 5 and 10 years.

Home Warranty Companies Distribution by Age

It would be helpful to make a short list of the most reputable companies that satisfy your requirements including the following:

  • The company accepts claims 24/7 (90% of companies)
  • Emergency service available (87% of companies)
  • The company offers reservice if repairs fail (100% of companies)
  • Free second opinion (18% of companies)
  • Automatic policy renewal (95% of companies)
  • Free reservice for parts and labor (during 30-365 days)
  • High coverage limits
  • Other requirements that are important to you

The next step is to decide how much money you are ready to spend on your home warranty. There is a wide variety of plans offered by Texas home warranty companies, so it is possible to find one that fits your budget. Please keep in mind that the price for the home warranty, like for any insurance, consists of premium and deductible costs. Some companies, like American Home Shield and Landmark Home Warranty, offer a range of premiums and deductibles. The higher the deductible, the lower the premium. Overall, home warranty deductibles range from $50 to $125 with a median of $75.

In the figure below you can see how the average annual premium cost varies by state, and the percentage of the home warranty companies working in each. According to our data, Texas has the largest variety of home warranty companies, while Florida and California can enjoy the cheapest home warranty plans.

Find The Best Home Warranty Plan


We at ReviewHomeWarranties have compared and rated more than 20 home warranty providers to date.


Come and see our findings and recommendations of the best value-for-money plans available right now:

Discover The Best Home Warranty Plans 2018

Distribution of Home Warranty Cost and Availability by State

Once you have a short list of the companies you like and have made a decision on your budget, it is time to select a plan. For this purpose, look around your house and make a list of the items that you want to be covered under a home warranty. There are companies, such as Select Home Warranty, that cover home systems and home appliances in two separate plans. Alternatively, you can select one of the comprehensive plans that cover both home systems and appliances from companies such as Choice Home Warranty.

While comparing home warranty plans, you need to pay attention not only to the list of items that are covered under each plan but also to the coverage limit for the items that you want to be covered in the first place. In some companies, the list of items may be shorter compared to others, but the coverage limits are higher.   

Find The Best Home Warranty Plan


We at ReviewHomeWarranties have compared and rated more than 20 home warranty providers to date.


Come and see our findings and recommendations of the best value-for-money plans available right now:

Discover The Best Home Warranty Plans 2018

In the figure below you can see which home systems and appliances may be covered by a regular plan or optional coverage, and percent of the home warranty companies that offer any type of coverage.

Covered under a Regular Plan

Covered as Optional Coverage

% CompaniesLimit Average% CompaniesLimit AveragePremium Average
Heating System93%$2,44422%$950$74
Air conditioner97%$2,91730%$950$70
Water heater97%$2,21222%$700$47
Plumbing93%$1,8877%$400$28
Refrigerator86%$1,49352%$1,317$32
Fan59%$5254%NO DATA$4
Vacuum38%$40030%$367$22
Pool / Spa7%$1,000100%$2,162$96
Washer76%$1,40941%$1,250$44
Dishwasher100%$1,2427%NO DATA$23
Microwave90%$1,2187%NO DATA$15
Garage door79%$88615%NO DATA$24
Electrical97%$2,3334%NO DATANO DATA
Disposal83%$5324%NO DATA$15
Trash compactor59%$1,4864%NO DATA$4
Septic10%$50067%$1,315$42
Pump3%$50019%$700$79
Oven86%$1,14015%NO DATA$45
Water softener7%$1,00044%$2,831$31
Roof leaks3%NO DATA33%$514$40
Sprinkler0%N/A19%$367$23
Alarm17%$4000%N/AN/A
Crane3%$1500%N/AN/A
Door bell31%$5000%N/AN/A
Water dispenser24%$5004%$200$25
PC3%NO DATA0%N/AN/A
TV3%NO DATA0%N/AN/A
Air cleaner0%N/A4%NO DATA$35
PEST10%NO DATA0%N/AN/A
Humidifier3%NO DATA4%$500$4
Well0%N/A4%NO DATA8%
Locksmith10%NO DATA0%N/AN/A
Outside line3%NO DATA22%$1,900$48
Food center7%$3,0000%N/AN/A
Toilet24%$8000%N/AN/A
Improper actions3%$2500%N/AN/A
Dryer66%$1,56341%$1,250$44
Well pump0%N/A85%$2,367$57
Sump pump21%$50026%$2,320$26
Ductwork55%$8040%N/AN/A
Refrigerator ice maker21%$1,50026%$700$26
Free standing ice maker14%$2,25019%$1,000$53
Wine refrigerator0%N/A15%$583$20
Stand alone freezer10%$50037%$2,580$25
Plumbing stoppages38%$8360%N/AN/A
Ceiling fan48%$5604%NO DATA$96

In case the plan you selected does not cover all of the items on your list, check the optional coverage section. In many cases, optional coverage items can be added to the plan for an additional fee. These include swimming pool and spa, central vacuum, stand-alone freezer, second refrigerator, and more.

Final Remarks About Choosing the Right Home Warranty Plan

Choosing the right home warranty plan is not an easy task. There are more than 60 companies on the home warranty market, and each company offers multiple coverage plans. There are plans for home systems, home appliances, and various combinations of both.

What you need to know before you even start selecting a home warranty plan is what home systems and appliances you want to cover, and what your budget is. With these two things in mind, you may now start selecting the home warranty company. On average, it takes a potential customer up to four hours to find information about a home warranty company on their own. With ReviewHomeWarranties.com this process will take only 41 minutes on average.

How long it takes to research a home warranty company

To make the process of selecting the right warranty company even easier for you, ReviewHomeWarranties.com has organized the companies by state. We have collected information on the most prominent companies operating in Texas, Florida, California, Virginia, Ohio, and other states, and hope this will help you find the right home warranty plan for your house.

Best Home Warranty Plans by Plan Type

Now that you need what to search for in a home warranty plan, as well as what to look out for, we present to you the best home warranty plans in the USA for 2018. These plans are tailored to your location and are all offered by the top home warranty companies in the market.

Home Warranty Premier Plan

Cheapest Home Warranty Premier Plan providers

40.00
This is a great plan for those homeowners who prefer to get comprehensive coverage for their homes. It includes all major home systems, as well as kitchen and laundry appliances.
41.50
If you own a big house with two air conditioning and/or heating systems, this will be the perfect plan for you as it will cover them all, plus plumbing and electric systems, kitchen and laundry appliances, and some extras.
37.50
If you are looking for a comprehensive coverage for all major home systems and appliances, you don't have to look any further. This plan will cover them all.

“Everything Included in the Home Warranty Basic Plan + Many Extras - The Premier Plan


Premier Home Warranty Plan is generally a more advanced plan that includes extra systems and appliances in addition to the ones covered by the basic plan. This is usually an extended home warranty plan and consider to be one of the top choices, if you need it. It may have different names in different companies. For example, creative managers in Old Republic Home Protection name it Ultimate Home Protection Plan.

In addition to the items listed under the basic coverage, this home service plan may include septic system, sump pumps, hot/cold water dispenser, garage door opener, and more. Some companies and providers make this home service plan available for home buyers only.

If you are a home seller, you can still find Premier home warranty plans at such companies as Total Home Protection or Choice Home Warranty. Total Home Protection Platinum Plan will cover up to 2 units for both Air Conditioning and Heating systems as well as an full-scale list of home appliances for $499 a year, and Choice Home Warranty Total Plan includes coverage for all major home systems and appliances for $450 a year. These are one of the best home warranty plans you can find in the market today. Overall, the cost for Premier Plan ranges between $27 and $42 per month. The average cost of a Premier home warranty plan is, naturally, higher if you compare it to the average cost of a basic home protection plan, but we find the Premier plan to be often the best home warranty plan for most people.

Home Warranty Basic Plan

Cheapest Home Warranty Basic Plan providers

34.00
This is an excellent plan for the new homeowners to start with. It covers heating, electric and plumbing systems, and a whole range of kitchen appliances.
29.00
This plan will give you a taste of home warranty for a very competitive price. Plumbing and electrical systems are included, as well as a water heater, whirlpool, bathtub, and an exhaustive list of kitchen appliances.
29.00
This plan includes the very necessities: heating and air conditioning systems, and a water heater. It is great for the new home warranty customers.

“The Cheapest and The Most Home Warranty - The Basic Plan


Home Warranty Basic Plan, also know as Home Warranty Bronze Plan in some companies like  America's 1st Choice Home Club, or Home Warranty Gold Plan in Total Home Protection, usually includes heating, electrical and plumbing systems and a limited number of major kitchen appliances: oven, built-in microwave, dishwasher, and refrigerator.

Some companies, like First American Home Buyers Protection, include clothes washer and dryer in their home protection plan. If you are a home seller, Basic plan will usually work best for you because it keeps your property protected while listed on the real estate market.

Home warranty plan cost in the Basic category usually runs between $25 and $40, depending on the service call fee. The more you pay for the home cover plan, the less the service call fee is, and vice versa. Service call fees can range between $60 and $125 per item. If you are a new homeowner and a first time homebuyer (congratulations!), buying the home warranty basic plan might be the best decision for your needs. Start off from this protection plan, and see how it fits your needs. Many thrifty homeowners later add more items to their Basic Plan or switch to the next level service plan (“Premier”).

Home Warranty Systems Plan

Cheapest Home Warranty Systems Plan providers

36.00
Gold Care plan is an excellent choice for home systems coverage. It includes heating system, water heater, plumbing system, ductwork, A/C cooling, and electrical system.
30.00
This plan works great for those homeowners who need to protect their home systems only. It includes such major home systems as plumbing, electric, air conditioning, and heating.
TotalProtect Home Warranty Review
26.95
This plan includes pre-existing condition and rust&corrosion coverage for A/C, heating, plumbing, and electrical systems. No inspection required. The pricing per month depends on the service call fee. See details in the review.

“A Home Warranty Program Only for Home Systems, No Appliances Included - The Systems Plan


If you are one of those lucky homeowners who have just recently upgraded their home appliances and have them covered under the manufacturer’s warranty, the best home warranty plan for your needs may be served through the Systems Plan - A cheaper home warranty protection service. However, you must remember this is a limited home warranty program compare to the other home warranty programs.


For your convenience, some home warranty companies, such as TotalProtect Home Warranty or Select Home Warranty, prefer to separate home systems and appliances into two different home protection plans. In Systems Protect Home Service Plan, they offer coverage for plumbing, heating, air conditioning, and electrical system, their parts and components. Systems plan may cost you between $23 and $36 a month. Compare the best Systems home warranty plans below.

Home Warranty Appliances Plan

Cheapest Home Warranty Appliances Plan providers

36.00
Bronze Care plan covers all major kitchen and laundry appliances: washer and dryer, refrigerator, oven built-in microwave, dishwasher and garbage disposal.
19.99
White plan is recommended for those homeowners who want to get coverage for the following appliances:  dishwasher, refrigerator, stove/cooktop, garbage disposal, oven range, built-in microwave, washer, and dryer.
TotalProtect Home Warranty Review
18.95
This plan includes pre-existing condition and rust&corrosion coverage for major kitchen and laundry appliances. No inspection required. The pricing per month depends on the service call fee. See details in the review.

“Home Appliances Only, No Systems Included - The Appliances Plan


On the other hand, if you live a brand new house and don’t have to worry about your brand new home systems, but the manufacturer’s warranty for your home appliances, such as refrigerator, oven and dishwasher, has already expired, you might want to cover them under home warranty. This is also a limited home warranty program and does not cover other systems around the house like other plans. Thus, you must think twice before buying this home protection plan insurance when you consider purchasing a new home warranty plan.


In this case, Appliances Plan offered by Select Home Warranty and other companies listed below will come in handy.

This home warranty plan usually includes such appliances as stove/oven/cooktop, built-in microwave, refrigerator, dishwasher, garbage disposal, and clothes washer and dryer.

The cost for the Appliances home warranty plan usually falls between $19, with the service call fee of $125, and $38 with a much cheaper service call fee of $75.

Home Warranty Combo Plan

Cheapest Home Warranty Combo Plan providers

42.00
Platinum Care plan will work best for you if you want to preserve your peace of mind by covering all major home systems and appliances in your house.
50.83
Combo plan includes everything that is covered by the systems plan plus multiple home appliances and various home services, such as pest control.
40.00
This plan is recommended to thrifty homeowners who want to save money on home warranty coverage. It includes all major home systems and appliances.

“A Top Home Warranty Plan that Covers Most Home Systems And Appliances - The Combo Plan"


The same companies that offer separate and limited home warranty plans for home systems and appliances, such as TotalProtect Home Warranty or Secure Home Warranty,  also have Combo Plans that combine coverage from these two service protection plans. It may also be called Elite Home Warranty Plan or Platinum Home Warranty Plan. Similar to Premier Plan and other extended home warranty plans, it includes most home systems and appliances.

Some homeowners start with Systems or Appliances plan, and switch to Combo plan later, but if you want to maximize the home warranty coverage program from day one, this type of home warranty plans will work the best for you. The price range for this home warranty plan lays between $32 and $42.

Home Warranty Optional Coverage

“Covers What Other Home Warranty Protection Plans Do Not Include - The Optional Coverage Plan


Almost every company has a list of items that may be added to any of the home service protection plans mentioned above. These items may include pool and spa, water well, water softener, stand-alone freezer, additional refrigerator, central vacuum, septic tank, and many other items.

Additionally, some companies, like Select Home Warranty, include various services, such as roof leak repair, lawn sprinkler system and pest control. All these items are priced separately and usually not included in other home warranty programs.


There are some companies that offer one year home warranty plan. We do not recommend that kind of home repair warranty program, since it is usually more expensive and have only partial coverage.

Final Remarks about the Best Home Warranty Plan Comparison


Making a decision about buying a home warranty plan is easy. However, Choosing the Best home warranty plans that fit your needs is the hard part. The variety of plans you can find on the market can be very confusing. Comparing home warranty programs should definitely be your first step in this process. Reviewing the terms and condition of the plans, whether it is an extended home warranty plan or not, is also an important step. Only then you are ready to choose out of the top home warranty plans mentioned above - the decision then will be a lot easier and in a very short period of time you will be able to find the home protection plan that fits your home and needs. Of course, buying the home warranty plan you chose is the last step.

One thing is certain, with this variety of plans and a lot of home warranty plans listed on ReviewHomeWarranties.com, regardless of whether you are a homeowner, home buyer or home seller, you will find the top-rated home warranty plan that would give you peace of mind and save your bank account from the unexpected expenses on home repairs and replacements.

Still unsure which plan to choose? Go back to our home warranty plan buying guide.