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The Cost and Effectiveness of Pool Warranties

Updated January 1, 2020

The Largest Pool Ownership and Warranties Research in the USA. 2021 Updated.

A pool is supposed to be a haven for stress-free relaxation. If your pool develops a major maintenance issue, however, it can quickly become a nightmare. Not only must you arrange for the repairs, but you’ve also got to shell out for an enormous, sudden bill. Such unexpected expenses can shatter your household budget and frustrate your plans.

If you’re protected by a home warranty, the outcome could be different. If you have a good warranty on your side, which covers your swimming pool, the burden of paying for sudden, expensive repairs is lifted off of your shoulders.

What is a home warranty and how does it work? A small fee is usually all that’s asked to have the home warranty provider locate a repairman, arrange and schedule the service, and cover almost all of the cost. All you need to do is make a phone call and submit a claim.  It’s not long before you’re back to enjoying the pool you’ve invested so much in.  If you’re a pool owner, a good home warranty has the potential to make life much easier when things go wrong.

Editor's Choice
97.0

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Best Overall
97.5

Limited Offer: $50 Off + 1 month free
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Most Affordable
96.5

Limited Time: $150 Off + 2 Free Months + roof coverage
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But how do you find the good ones? The last thing you want is an inadequate or shoddy home warranty policy, especially for such a specific issue as pool repairs. How do you tell the difference? For most consumers, it’s nearly impossible to cut through the noise. When making the important decision of who to trust with your most valuable possession, your home, you need the best information possible. If you have a swimming pool, you need to ensure it’s completely covered. That’s why we’ve put together this unbiased guide to pool coverage in home warranties.

Best Swimming Pool Warranty Providers for 2021 Based on Our Research

Choose your State:
Raiting:97.50
  • Silver Combo Plan
    $517
  • Platinum Combo Plan
    $609
Pool
Spa
Saltwater pool
Cost
$180$180-
Limit
$500$500-

Raiting:97.00
  • Silver Systems Plan
    $348
  • Platinum Combo Plan
    $648
Pool
Spa
Saltwater pool
Cost
$21.25$21.25-
Limit
??-

Raiting:96.50
  • Silver Systems Plan
    $580
  • Platinum Combo Plan
    $650
Pool
Spa
Saltwater pool
Cost
$99.95$69.99-
Limit
$400$400-

Pool

Covered by
Choice Home Warranty

  • Heater
  • Pump
  • Motor
  • Filter
  • Filter timer
  • Gaskets
  • Blower
  • Timer
  • Valves, limited to back flush, actuator, check, and 2 and 3-way valves
  • Relays and switches
  • Pool sweep motor and pump
  • Above ground plumbing pipes and wiring

Not Covered by
Choice Home Warranty

  • Portable or above ground pools/spas
  • Control panels and electronic boards
  • Lights
  • Liners
  • Maintenance
  • Structural defects
  • Solar equipment
  • Jets
  • Ornamental fountains, waterfalls and their pumping systems
  • Pool cover and related equipment
  • Fill line and fill valve
  • Built-in or detachable cleaning equipment such as, but not limited to, pool sweeps, pop up heads
  • Turbo valves, skimmers, chlorinators, and ionizers
  • Fuel storage tanks
  • Disposable filtration mediums
  • Cracked or corroded casings
  • Grids
  • Cartridges
  • Heat pump
  • Salt water systems.

Spa

Covered by
Choice Home Warranty

  • Heater
  • Pump
  • Motor
  • Filter
  • Filter timer
  • Gaskets
  • Blower
  • Timer
  • Valves, limited to back flush, actuator, check, and 2 and 3-way valves
  • Relays and switches
  • Pool sweep motor and pump
  • Above ground plumbing pipes and wiring

Not Covered by
Choice Home Warranty

  • Portable or above ground pools/spas
  • Control panels and electronic boards
  • Lights
  • Liners
  • Maintenance
  • Structural defects
  • Solar equipment
  • Jets
  • Ornamental fountains, waterfalls and their pumping systems
  • Pool cover and related equipment
  • Fill line and fill valve
  • Built-in or detachable cleaning equipment such as, but not limited to, pool sweeps, pop up heads
  • Turbo valves, skimmers, chlorinators, and ionizers
  • Fuel storage tanks
  • Disposable filtration mediums
  • Cracked or corroded casings
  • Grids
  • Cartridges
  • Heat pump
  • Salt water systems.

Saltwater pool

Not covered by
Choice Home Warranty

Pool

Covered by
American Home Shield

  • Pool sweep motor and pump
  • Pump Motor
  • Blower motor and timer
  • Plumbing pipes and wiring
  • Plumbing and electrical

Not Covered by
American Home Shield

  • Portable or above ground spas
  • Access to pool and spa equipment
  • Lights
  • Liners
  • Jets
  • Ornamental Fountains, waterfalls and their pumping systems
  • Auxiliary pumps
  • Pool cover and related equipment
  • Fill line and fill valves
  • Built-in or detachable cleaning equipment including, without limitation, pool sweeps, pop-up heads, turbo valves, skimmers, chlorinators, and ionizers
  • Fuel storage tanks
  • Disposal filtration mediums
  • Heat Pump
  • Multi-media centers
  • Dehumidifiers
  • Salt water generators and components

Spa

Covered by
American Home Shield

  • Pool sweep motor and pump
  • Pump Motor
  • Blower motor and timer
  • Plumbing pipes and wiring
  • Plumbing and electrical

Not Covered by
American Home Shield

  • Portable or above ground spas
  • Access to pool and spa equipment
  • Lights
  • Liners
  • Jets
  • Ornamental Fountains, waterfalls and their pumping systems
  • Auxiliary pumps
  • Pool cover and related equipment
  • Fill line and fill valves
  • Built-in or detachable cleaning equipment including, without limitation, pool sweeps, pop-up heads, turbo valves, skimmers, chlorinators, and ionizers
  • Fuel storage tanks
  • Disposal filtration mediums
  • Heat Pump
  • Multi-media centers
  • Dehumidifiers
  • Salt water generators and components

Saltwater pool

Not covered by
American Home Shield

Pool

Covered by
Select Home Warranty

  • Pumping system
  • Filtration system
  • Heating system

Not Covered by
Select Home Warranty

  • Portable pools, spas or hot tubs
  • Computerized control boards
  • Heat pumps
  • Leaks

Spa

Covered by
Select Home Warranty

  • Pumping system
  • Filtration system
  • Heating system

Not Covered by
Select Home Warranty

  • Portable pools, spas or hot tubs
  • Computerized control boards
  • Heat pumps
  • Leaks

Saltwater pool

Not covered by
Select Home Warranty

Footnotes:

  • 1) If you are wondering about home warranty costs in general, not necessarily pools, head over to this page – home warranty costs guide
  • 2) If you intend to write about this study or incorporate data, statistics of charts we have created, do not forget to link back to this page as a token of appreciation for the hard work we put into it. We have created a document here as well for your convenience.

 

Top 3 Home Warranties for Pools (2021)

Company NameChoice Home WarrantyAmerican Home ShieldSelect Home Warranty
Number of Plan Options2 Plans3 Plans2 Plans
Monthly Plan Cost$45 – $55$35 – $65$36 – $45
BBB RatingBBB
ReviewsRead Choice Home Warranty ReviewsRead American Home Shield Reviews

 

Choice Home Warranty (Best Home Warranty for Your Pool)

Choice Home Warranty is our top pick for pool coverage for a number of reasons. As with all covered items, Choice provides excellent coverage limits, between $500 and $3,000. American Home Shield does match this $3,000 coverage for pools, but other top 5 companies, like Select Home Warranty, covers only up to $2,000, and ServicePlus only pays up to $500.

Here is how Choice describes the coverage in their sample contract. Covered items include: “Above ground components and parts of the heating, pumping, and filtration system including Pool sweep motor and pump – Pump motor – Blower motor and timer – Plumbing pipes and wiring – Plumbing and electrical.”

Of course, pool coverage with any home warranty provider is an optional add-on. So beyond the pool, Choice offers the best mix of coverage and value, which is another reason it is our top choice for pool coverage. You can get their Total Plan for around $53 per month — the lowest price among our top 3 Platinum Plans — with a $15 per month additional charge for pool/spa coverage. And if you have second thoughts, you can cancel the service contract within 30 days without penalty.

To pick the right home warranty company, you’ll also want to understand coverage limits. Choice has excellent coverage limits on their standard plans, up to $3,000 for many items. For pool coverage, the limit is $500 per coverage year.

To get the top pool pick at the best price possible, Choice Home Warranty is offering $50 off plus one month free, so your monthly cost for protecting your pool and other important systems and appliances will be even lower. Go online for a free quote, or call them at 929-400-6169 before this offer goes away.

American Home Shield (Editor’s Choice)

American Home Shield is another excellent pick for pool coverage. Like Choice, you will have to add pool and spa coverage to a standard plan. Where AHS really stands out is in their comprehensive coverage. So if you are looking for a plan that goes beyond the basics, the American Home Shield Platinum Plan will cover 23 of the most important systems and appliances in your home. For comparison, the Choice Total Plan covers 18, and Select covers 17, plus roof leak coverage. 

Ok, but how much are you going to pay for this soup-to-nuts coverage with American Home Shield? Well, to get more you will be paying a little bit more, but probably not as much as you think. Why is that? Because they let you choose from a range of service call fees — the fee you pay when one of their service techs comes out to fix your pool. You can choose from a $75, $100, or $125 service call fee. With a $125 service fee, you’ll pay $60 per month for their Platinum Plan. The cost of pool coverage on top of that would be a little over $20 per month. 

Right now, you can get a bit of a break on that price. For a great deal on premium, comprehensive coverage for your pool and 23 other systems and appliances right now, American Home Shield is offering $50 off the plan of your choice. Get a free quote online or request information about rental property coverage from AHS at 866-464-7521.

Select Home Warranty (Most Affordable)

Select Home Warranty is a great pick if you are looking to get less expensive coverage. While their Platinum Plan costs $58 a month – a little bit more than Choice – they have one of the lowest service fees in the business at $60. That compared with Choice at $85 and AHS and between $75 and $125.

Select is also a great option if you are looking for some additional coverage without paying for it. While you will pay for pool coverage, Select offers free roof leak coverage on all their plans. This is something Choice, AHS, and most other companies offer only as an add-on.

But pool coverage is an add-on with Select, so let’s look at that cost. Here again, you will save compared with the other two top picks, but the coverage is more limited. For an inground pool, you’ll pay about $8.33 per month ($99.95 per year) but the coverage extends only to the pumping system, filtration system, and heating system. The other two have more comprehensive coverage. Coverage limits with Select are good, but not quite at the level of Choice and AHS. For a standard Platinum Plan, coverage limits go as high as $2,000, a grand less than both Choice and AHS. Pool coverage limits are close to Choice, at $400, so not a huge difference from the coverage limit of Choice at $500. So you will spend a good quite a bit less for pool coverage with Select, and have the major components of your pool covered. For those reasons, we find Select to be worthy of this spot in the top three.

And if you are looking to save even more, right now pool owners who choose Select Home Warranty can get $150 off plus 2 free months of coverage, along with free roof leak coverage on all plans. That’s a major value to take advantage of! Go online for a free quote, or contact one of their customer service pros at 888-370-3954 to get that deal and begin coverage on your pool and other systems and appliances.

 

We analyzed information from a representative sample of 20 large companies to find out what the best swimming pool coverage has, and what the worst doesn’t. We also considered a wide range of factors involved in pool ownership to help you consider what important expenses you might want to protect against.

This guide won’t just give you the knowledge to invest in a new home warranty with pool coverage. It might even help you decide if your existing warranty if you have one, is worth keeping.

If you’re looking for a trusted, industry-leading home warranty company, we recommend Choice Home Warranty. They’re a top-rated brand and right now you can take advantage of their current promotions that get you $50 off, plus one free month and free 30-Day cancellation. Get a free online quote or contact a specialist at 929-400-6169 before these deals end. Another great option is American Home Shield which offers $50 off. Get a free quote online or you can call a home warranty specialist directly at 866-464-7521.

More Homes Than Ever Have Pools

More U.S. homes have swimming pools than ever before. Currently, 5.1 million homes, or over 4 percent of all U.S. households and over 6 percent of single-family households who can potentially own a pool, have inground pools 1. In warmer states, the percentage can be far higher.


For instance, in Coral Springs, Florida, an astonishing 66 percent of homes have inground pools 2. A satellite photograph of Coral Springs, above, shows neighborhoods bespeckled with the light blue of backyard pools. Not far behind is Scottsdale, Arizona, where 62 percent of homes have pools, and the figure is 46 percent in nearby Tempe, Arizona. Actually, of the top 10 cities for pools, Arizona hosts 6. Especially if you own or are planning to own a home in a warmer state, a pool is an increasingly common feature.

The Cost of Pool Installation Varies

The installation of new inground pools ranges from reasonably affordable to very expensive, depending upon the homeowner’s budget, preferences, and how much space they have to work with.

The average cost of building a new inground pool depends upon on the type and method of installation. Self-installation can result in substantial cost savings, and may only cost between approximately $12,000 and $30,000 total  3, 4, with some estimates placing the figure as low as about $6,200 5.

For many people, however, self-installation is not an option. Attempting, by themselves, to install a massive pool shell in a hole in their backyard just isn’t high on their priority list. That’s when they call for a professional installation, in which case the cost can rise substantially.

We consulted a range of sources to determine an average of pool installation costs. Vinyl pools, the cheapest, ranging from $9,000 to $18,400. For fiberglass pools, a full professional installation ranges from an average of $12,900 to $39,200 6. By far, however, concrete pools are the most expensive. Almost without exception, these are professionally installed, and costs range from $25,900 to $54,300 7. The highest-end pools often cost much more than that.

The author Earnest Hemingway famously installed a massive pool at his luxurious home in Key West, Florida 8. The only residential pool for 100 miles around when it was built, it was filled with fresh saltwater pumped from below the water table. At 60 feet long and 24 feet wide, it held 80,784 gallons of water. When it was built in 1938, it cost Hemingway $20,000. Adjusted for inflation, the same pool built today would cost over $344,000!

Obviously, most swimming pools are far simpler than Hemingway’s backyard oasis. Even still, every pool, whether self-installed or professionally installed, represents a major investment.

Read Also: What Is The Best Home Warranty Plan For A Luxury Property?

The Average Costs of Pool Maintenance

Once the pool is installed, it must be maintained. Maintenance costs money. A self-reported survey of pool owners revealed various monthly costs associated with the maintenance of their inground pools 9.

These homeowners reported maintenance costs ranging from a low of $30 per month to as high as $240 per month. On average, they spent between $85 and $95 per month on pool maintenance.

Maintenance costs depend on many factors. For instance, a simple pool vacuum may cost as little as $20 for a basic-version, or as much as $600 for a robotic model. If that or anything else breaks, having a professional out to maintain the equipment or do other cleaning services will cost, on average, $75 to $100 per hour.

Other regular expenses include filters, which can range from about $12 to $75, maintaining pH levels, for which testing kits run $8 to $15, and chlorine, which can cost between $7 and $70. A pool cover will set you back about $600.

Maintenance is not glamorous, but it’s essential for keeping a pool in top condition. As with changing the oil on an automobile, it’s part of the cost of ownership. Without proper maintenance, a swimming pool may become a health hazard. There is a long list of illnesses that you can catch in a filthy swimming pool. These include parasites, E.Coli, norovirus, and many more. This is why maintaining a swimming pool is essential for your well-being.

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

Our Recommended Swimming Pool Warranty Providers Based on Our Research

Choose your State:
Raiting:97.50
  • Silver Combo Plan
    $517
  • Platinum Combo Plan
    $609
Pool
Spa
Saltwater pool
Cost
$180$180-
Limit
$500$500-

Raiting:97.00
  • Silver Systems Plan
    $348
  • Platinum Combo Plan
    $648
Pool
Spa
Saltwater pool
Cost
$21.25$21.25-
Limit
??-

Raiting:96.50
  • Silver Systems Plan
    $580
  • Platinum Combo Plan
    $650
Pool
Spa
Saltwater pool
Cost
$99.95$69.99-
Limit
$400$400-

Pool

Covered by
Choice Home Warranty

  • Heater
  • Pump
  • Motor
  • Filter
  • Filter timer
  • Gaskets
  • Blower
  • Timer
  • Valves, limited to back flush, actuator, check, and 2 and 3-way valves
  • Relays and switches
  • Pool sweep motor and pump
  • Above ground plumbing pipes and wiring

Not Covered by
Choice Home Warranty

  • Portable or above ground pools/spas
  • Control panels and electronic boards
  • Lights
  • Liners
  • Maintenance
  • Structural defects
  • Solar equipment
  • Jets
  • Ornamental fountains, waterfalls and their pumping systems
  • Pool cover and related equipment
  • Fill line and fill valve
  • Built-in or detachable cleaning equipment such as, but not limited to, pool sweeps, pop up heads
  • Turbo valves, skimmers, chlorinators, and ionizers
  • Fuel storage tanks
  • Disposable filtration mediums
  • Cracked or corroded casings
  • Grids
  • Cartridges
  • Heat pump
  • Salt water systems.

Spa

Covered by
Choice Home Warranty

  • Heater
  • Pump
  • Motor
  • Filter
  • Filter timer
  • Gaskets
  • Blower
  • Timer
  • Valves, limited to back flush, actuator, check, and 2 and 3-way valves
  • Relays and switches
  • Pool sweep motor and pump
  • Above ground plumbing pipes and wiring

Not Covered by
Choice Home Warranty

  • Portable or above ground pools/spas
  • Control panels and electronic boards
  • Lights
  • Liners
  • Maintenance
  • Structural defects
  • Solar equipment
  • Jets
  • Ornamental fountains, waterfalls and their pumping systems
  • Pool cover and related equipment
  • Fill line and fill valve
  • Built-in or detachable cleaning equipment such as, but not limited to, pool sweeps, pop up heads
  • Turbo valves, skimmers, chlorinators, and ionizers
  • Fuel storage tanks
  • Disposable filtration mediums
  • Cracked or corroded casings
  • Grids
  • Cartridges
  • Heat pump
  • Salt water systems.

Saltwater pool

Not covered by
Choice Home Warranty

Pool

Covered by
American Home Shield

  • Pool sweep motor and pump
  • Pump Motor
  • Blower motor and timer
  • Plumbing pipes and wiring
  • Plumbing and electrical

Not Covered by
American Home Shield

  • Portable or above ground spas
  • Access to pool and spa equipment
  • Lights
  • Liners
  • Jets
  • Ornamental Fountains, waterfalls and their pumping systems
  • Auxiliary pumps
  • Pool cover and related equipment
  • Fill line and fill valves
  • Built-in or detachable cleaning equipment including, without limitation, pool sweeps, pop-up heads, turbo valves, skimmers, chlorinators, and ionizers
  • Fuel storage tanks
  • Disposal filtration mediums
  • Heat Pump
  • Multi-media centers
  • Dehumidifiers
  • Salt water generators and components

Spa

Covered by
American Home Shield

  • Pool sweep motor and pump
  • Pump Motor
  • Blower motor and timer
  • Plumbing pipes and wiring
  • Plumbing and electrical

Not Covered by
American Home Shield

  • Portable or above ground spas
  • Access to pool and spa equipment
  • Lights
  • Liners
  • Jets
  • Ornamental Fountains, waterfalls and their pumping systems
  • Auxiliary pumps
  • Pool cover and related equipment
  • Fill line and fill valves
  • Built-in or detachable cleaning equipment including, without limitation, pool sweeps, pop-up heads, turbo valves, skimmers, chlorinators, and ionizers
  • Fuel storage tanks
  • Disposal filtration mediums
  • Heat Pump
  • Multi-media centers
  • Dehumidifiers
  • Salt water generators and components

Saltwater pool

Not covered by
American Home Shield

Pool

Covered by
Select Home Warranty

  • Pumping system
  • Filtration system
  • Heating system

Not Covered by
Select Home Warranty

  • Portable pools, spas or hot tubs
  • Computerized control boards
  • Heat pumps
  • Leaks

Spa

Covered by
Select Home Warranty

  • Pumping system
  • Filtration system
  • Heating system

Not Covered by
Select Home Warranty

  • Portable pools, spas or hot tubs
  • Computerized control boards
  • Heat pumps
  • Leaks

Saltwater pool

Not covered by
Select Home Warranty

When Something Major Goes Wrong

Unfortunately, even proper maintenance cannot prevent major problems from occurring. The well-maintained car can still have expensive issues that arise, such as radiator or transmission failure. With pools, similarly, many things can go wrong.

One of the most expensive problems that can arise is a leak in the pool itself. Many warm-weather states, where pools are more popular, have soil conditions conducive to shifting. This is why homes in these states often have foundation problems, and a pool is not immune to such issues.

If a pool leaks, the minimum cost is $200 for a professional repair. Concrete pools must usually be completely drained and sanded down to be prepared, which adds an additional amount ranging from $800 to $1,550 10.

Filter and pump systems can break down over time and must be repaired. Depending upon the type, a filter replacement may cost from $150 to over $500, and a pump can cost between $185 for a smaller .75hp motor to $350 for a larger 2.5hp one.

Many new pools are also equipped with heaters. Pools in cold-weather climates often have heaters installed so that homeowners can enjoy the pool year-round. These, too, are prone to breakage over time. The average cost for heater repair is about $400 but can easily climb to over $1,200 in some cases.

While maintenance costs can add up, it is these major repair expenses that can most frustrate the experience of owning a pool.

The Total Cost of Pool Ownership

The total cost of pool ownership, then, is a combination of the regular maintenance of the pool and the breakage of major components that must be repaired. Inevitably, every pool owner who has their pool long enough will have to deal with, and pay for, both.

In the long run, pool owners can expect to pay varying amounts for pool ownership depending on the type of pool they have, what accessories they’ve added, and the environmental factors their pool is exposed to.

Generally speaking, fiberglass pools are the least expensive pools to maintain. However, there are still regular costs involved in ownership beyond potential repairs. This includes electricity usage and chemical usage 11.

Vinyl pools, the least expensive kind, tend to cost more to own in the long run. The replacement of the liner becomes a factor, in addition to electricity and chemical costs. Vinyl liners only last 5 to 9 years, on average, and can cost $4,000 or more to replace.

Concrete pools carry the greatest cost. Sanding and resurfacing the pool every 10 to 15 years can cost $10,000 or more. Every 3 to 6 years, a concrete pool requires an acid washing that can cost in excess of $500. Further, concrete pools still incur regular costs for chemical and electricity usage. These all drive the cost up substantially.

Pool ownership can certainly be expensive, but when important components break, the cost can truly skyrocket. For this reason, and for general peace of mind, many pool owners may be interested to learn that home warranties often cover pools.

As stated previously, however, choosing the right home warranty to cover a pool is a major task. Let’s turn, then, to consider what these policies actually cover, and what they don’t.

Read Also: Are You A Senior Interested In Pool Coverage?

 

Best Home Warranties for Pools 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
 

Service Plus Review

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 7/10
  • Exclusions: 7.5/10
  • Affordability: 8/10
  • Customer Service: 8/10
  • Rating: 95.20

Visit Website

(267) 824-4010

Service Plus home warranty

Why Do We Like Service Plus?

Service Plus Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.

Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.

Most home warranties do not cover anything related to your roof but Service Plus does, which we found to be unique to their offering helping them crack our top list.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and AHS, Service Plus covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • You Can Choose Your Own Technicians
  • Roof Coverage

Cons

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

Home Warranty Cost for Pool Coverage

After reviewing the data on pool ownership costs, many homeowners might be surprised to find out that a home warranty that covers pools is available. In fact, our survey shows that the vast majority of the best home warranty companies — From Choice Home Warranty to First American Home Warranty–offer it as an option.

Of the 20 companies we randomly selected for this home warranty review, 19 offer some sort of pool coverage. While it is an add-on in all cases, the pricing is generally reasonable. Based on that sample, the average home warranty pool coverage costs between $100 and $205 per year for this additional coverage.

The other cost associated with home warranty pool coverage is the service fee, sometimes called the deductible. This service call fee is charged when you contact the home warranty provider and they send a qualified pool and spa repair person to assess the situation and make the repair.

Exactly what they cover, however, is where the plans begin to show their differences. Coverage options vary significantly. Some plans cover a great deal, while others cover very little. In fact, 4 of the 19 companies do not disclose any information about pool coverage on their website, except that they offer it. This is concerning and could leave a homeowner in a very challenging situation when it comes time to make a claim. That leaves 15 of the 19 who provide details about coverage.

The most important number to know is the coverage limit, which denotes how much can be covered for a given repair. This matters because, as previously mentioned, major repairs are the primary unexpected expenses that arise in pool ownership.

Of those who provide coverage, the average coverage limit is $771. That is an average of 14 companies, because one company, as we will note, is an outlier and provides much higher coverage that would otherwise distort the average.

Cost and limits for pool coverage by the company

CompanyPremiumLimit
 
Unknown coverage limit
Landmark Home Warranty$160.00?
Service Plus Home Warranty??
Old Republic Home Protection$180.00?
American Home Shield??
Anchor home warranty??
Below Average limit
Select Home Warranty$100.00400
Average limit
Choice Home Warranty$160.00500
Service Plus$150.00500
America’s 1st Choice Home Club$160.00500
Advanced Home Warranty$160.00500
Secure Home Warranty$100.00500
InHome warranty$160.00500
Home Security of America$150.001000
2-10 Home Buyers Warranty$162.001000
Home Warranty of America$150.001000
HMS Home Warranty$205.001000
Above Average limit
First American Home Buyers Protection$180.001500
Fidelity National Home Warranty?1500
Hello Super$185.0010000
 
Minimum$100.00$400.00
Maximum$205.00$10,000.00
Average$153.88$1,386.67
Average (excluding HelloSuper)$151.80$771.43
Median$160.00$500.00

On the low end, 2 of the home warranty companies we surveyed have a coverage limit of $400, and another 6 have coverage limits of $500. If we group these together as the “below average” coverage limits for pools, a total of 8 companies fall into that category.

The remaining 7 companies offer higher coverage limits. 3 of these policies have coverage limits of $1,000, which we will categorize as “average” coverage, and 3 have coverage limits of $1,500, which we will call “above average.”

Recall that one company offered much higher coverage. That company is Super, with a coverage limit of $10,000. As this is clearly above average, that means that there are a total of 4 companies offering above-average coverage limits.

Overall, our random survey of home warranty pool coverage costs yields some interesting results. Fifteen of 19 companies provided some detail about coverage limits, an important metric for any homeowner considering this as part of their home warranty. Eight of the 15 fell below average, 3 were average, and 4 were above average.

Considering that major pool repairs often come in at close to $1,000, having an average to an above-average amount of coverage would seem preferable for most pool owners. This does not, however, guarantee that all issues will be covered.

Home Warranty Coverage Beyond the Pool

Along with coverage of your pool and spa, a comprehensive plan from a top home warranty company will also give you coverage of all the major systems, like your HVAC system (heating system and air conditioning including ductwork), hot water heater, furnace, plumbing (including stoppages,) and electrical system, along with home appliances from your refrigerator, to the garbage disposal, trash compactor, ceiling fans, whirlpool baths, and even ice makers and garage door openers. Optional coverage similar to the pool coverage might include central vacuum cleaners, well pumps, and septic systems, specifically septic tank pumps. 

A home warranty is a service contract that will cover normal wear and tear on all of these items in situations where a homeowner’s insurance policy or a manufacturer’s warranty will not. So if your air conditioner breaks down and your home insurance does not cover it, a home warranty service provider is the next line of defense. 

Home protection with a home warranty comes in three basic plan options. There are two basic plans that cover either major appliances plan or a systems plan. The more comprehensive coverage is with a Combo Plan (sometimes called a Platinum Plan) that covers all the major appliances and systems.

Our Recommended Swimming Pool Warranty Providers Based on Our Research

Choose your State:
Raiting:97.50
  • Silver Combo Plan
    $517
  • Platinum Combo Plan
    $609
Pool
Spa
Saltwater pool
Cost
$180$180-
Limit
$500$500-

Raiting:97.00
  • Silver Systems Plan
    $348
  • Platinum Combo Plan
    $648
Pool
Spa
Saltwater pool
Cost
$21.25$21.25-
Limit
??-

Raiting:96.50
  • Silver Systems Plan
    $580
  • Platinum Combo Plan
    $650
Pool
Spa
Saltwater pool
Cost
$99.95$69.99-
Limit
$400$400-

Pool

Covered by
Choice Home Warranty

  • Heater
  • Pump
  • Motor
  • Filter
  • Filter timer
  • Gaskets
  • Blower
  • Timer
  • Valves, limited to back flush, actuator, check, and 2 and 3-way valves
  • Relays and switches
  • Pool sweep motor and pump
  • Above ground plumbing pipes and wiring

Not Covered by
Choice Home Warranty

  • Portable or above ground pools/spas
  • Control panels and electronic boards
  • Lights
  • Liners
  • Maintenance
  • Structural defects
  • Solar equipment
  • Jets
  • Ornamental fountains, waterfalls and their pumping systems
  • Pool cover and related equipment
  • Fill line and fill valve
  • Built-in or detachable cleaning equipment such as, but not limited to, pool sweeps, pop up heads
  • Turbo valves, skimmers, chlorinators, and ionizers
  • Fuel storage tanks
  • Disposable filtration mediums
  • Cracked or corroded casings
  • Grids
  • Cartridges
  • Heat pump
  • Salt water systems.

Spa

Covered by
Choice Home Warranty

  • Heater
  • Pump
  • Motor
  • Filter
  • Filter timer
  • Gaskets
  • Blower
  • Timer
  • Valves, limited to back flush, actuator, check, and 2 and 3-way valves
  • Relays and switches
  • Pool sweep motor and pump
  • Above ground plumbing pipes and wiring

Not Covered by
Choice Home Warranty

  • Portable or above ground pools/spas
  • Control panels and electronic boards
  • Lights
  • Liners
  • Maintenance
  • Structural defects
  • Solar equipment
  • Jets
  • Ornamental fountains, waterfalls and their pumping systems
  • Pool cover and related equipment
  • Fill line and fill valve
  • Built-in or detachable cleaning equipment such as, but not limited to, pool sweeps, pop up heads
  • Turbo valves, skimmers, chlorinators, and ionizers
  • Fuel storage tanks
  • Disposable filtration mediums
  • Cracked or corroded casings
  • Grids
  • Cartridges
  • Heat pump
  • Salt water systems.

Saltwater pool

Not covered by
Choice Home Warranty

Pool

Covered by
American Home Shield

  • Pool sweep motor and pump
  • Pump Motor
  • Blower motor and timer
  • Plumbing pipes and wiring
  • Plumbing and electrical

Not Covered by
American Home Shield

  • Portable or above ground spas
  • Access to pool and spa equipment
  • Lights
  • Liners
  • Jets
  • Ornamental Fountains, waterfalls and their pumping systems
  • Auxiliary pumps
  • Pool cover and related equipment
  • Fill line and fill valves
  • Built-in or detachable cleaning equipment including, without limitation, pool sweeps, pop-up heads, turbo valves, skimmers, chlorinators, and ionizers
  • Fuel storage tanks
  • Disposal filtration mediums
  • Heat Pump
  • Multi-media centers
  • Dehumidifiers
  • Salt water generators and components

Spa

Covered by
American Home Shield

  • Pool sweep motor and pump
  • Pump Motor
  • Blower motor and timer
  • Plumbing pipes and wiring
  • Plumbing and electrical

Not Covered by
American Home Shield

  • Portable or above ground spas
  • Access to pool and spa equipment
  • Lights
  • Liners
  • Jets
  • Ornamental Fountains, waterfalls and their pumping systems
  • Auxiliary pumps
  • Pool cover and related equipment
  • Fill line and fill valves
  • Built-in or detachable cleaning equipment including, without limitation, pool sweeps, pop-up heads, turbo valves, skimmers, chlorinators, and ionizers
  • Fuel storage tanks
  • Disposal filtration mediums
  • Heat Pump
  • Multi-media centers
  • Dehumidifiers
  • Salt water generators and components

Saltwater pool

Not covered by
American Home Shield

Pool

Covered by
Select Home Warranty

  • Pumping system
  • Filtration system
  • Heating system

Not Covered by
Select Home Warranty

  • Portable pools, spas or hot tubs
  • Computerized control boards
  • Heat pumps
  • Leaks

Spa

Covered by
Select Home Warranty

  • Pumping system
  • Filtration system
  • Heating system

Not Covered by
Select Home Warranty

  • Portable pools, spas or hot tubs
  • Computerized control boards
  • Heat pumps
  • Leaks

Saltwater pool

Not covered by
Select Home Warranty

Issues Covered and Not Covered for Pools in Home Warranties

The most difficult part for pool owners investing in pool coverage for their home warranty is figuring out what’s actually covered. After all, if it doesn’t cover the most significant issues, such a policy won’t be of much help when an issue actually arises.

On the whole, pool coverage generally tended to be more specific about what wasn’t covered than what was covered. We undertook an in-depth textual analysis of the warranty language for the companies we sampled to reveal what it told us about their coverage or lack thereof.

On average, the policies spent an average of 37 words describing what was covered. They used almost twice as much space, 68 words on average, to detail what wasn’t covered. 3 of 19 companies didn’t disclose what they covered at all.

The sections on what was covered from the 16 companies who provided them included several common elements and were analyzed for the frequency of coverage for common items. Most often mentioned was the heater (covered by 13, or 81%), the filtration system (covered by 12, or 75%), the pump (covered by 11, or 69%), and above-ground components (covered by 10, or 63%).

Unfortunately, the data revealed that it is often far easier to make a list of items that home warranties don’t cover for pools. The most commonly mentioned items that were not covered included lights (mentioned by all 16 companies, 100%), jets (mentioned by 15, or 94%), liners (mentioned by 15, or 94%), and cleaning equipment (mentioned by 14, or 88%).

Other items that generally were not covered included components such as solar water heaters, ornamental waterfalls, and fountains, and fuel storage tanks. Most home warranty providers do not cover pre-existing conditions, so if there are current problems with your pool, a home warranty is not the way to manage them.

It’s important to note that not being included here does not mean an item is covered, but only that it wasn’t specifically mentioned. The rest simply don’t include it in coverage or use catch-all phrasing to describe a variety of items not covered. A general rule of thumb, which we recommend, is to only consider an item as covered if it is specifically mentioned as covered.

Some special rules worth noting also showed up in the coverage. These could be make-or-break if they apply to you and you find yourself in need of repair. One such rule was that portable pools were not covered, generally. This was mentioned by 6 of the 16 companies, with 10 not mentioning it. Another was that coverage applied only to above-ground items, mentioned by 10 of the 16 companies.

If you have both a pool and hot tub (or spa), 10 of 16 companies say in their policies that they must share the same equipment or separate coverage must be purchased. 5, meanwhile, do not mention it at all, and 1 actually says the opposite, that they don’t have to share equipment.

One final rule to keep an eye out for is the matter of special coverage limits. In addition to the overall coverage limits heretofore mentioned, some companies also impose special coverage limits on specific items. Our analysis revealed that 3 of 16 companies employed this tactic. Pool owners should be especially wary of such a tactic.

Based on the grouping by coverage limits previously discussed, most pool owners would likely wish to opt for a warranty that at least rated as average, if not above average.

Therefore, we first considered the most common expensive repairs and how the 7 average or above-average companies compared. These four issues comprise many of the most expensive repair concerns facing the average pool owner. They are filters, pumps, heaters, and pool vacuums (also known as pool sweeps).

The only companies that cover all four of these major concerns were HWA Platinum Home Warranty, Super, 2-10 Home Warranty, and First American Home Buyers Protection.

It is worth noting that none of the companies cover pool leaks, based upon the data we gathered for this analysis. As the most expensive issue that can arise with pools, this is a very important matter for pool owners to consider. Further, none of the companies we sampled cover liner repairs and replacements, which arises regularly for owners of vinyl pools.

Own A Home In Los Angeles And Want Protection For Your Pool? We Can Help!

Common Complaints and Concerns with Pool Warranties

No study of pool coverage would be complete without an impartial look at some of the downsides mentioned by pool owners when they try to use their home warranties’ pool coverage.

We surveyed reviews of home warranties from numerous sites. On the whole, pool-related reviews comprised only between 2 and 6 percent of all home warranty-related reviews. The vast majority, 92 percent on average, were negative.

This in and of itself is not surprising, as the home warranty industry receives mostly negative feedback online. Happy customers rarely go to the trouble to post reviews on such sites. That said, the content of those reviews can help to highlight the most common concerns.

Of a total of 25 reviews sampled for this analysis, the most common repair issue cited was pump repair, with over half citing that as the reason for their claim. Every company in both our average and above average categories covers pump repair, meaning that they are less likely to have negative feedback registered.

Heater, filter, and valve repair were also mentioned as common concerns.

Of the 25 reviews, claim denial was the top concern cited, with 15 reviews offering negative feedback for that reason. Other issues mentioned included a delay in repairs with 5 mentions, tricky terms in the warranty with 5 mentions, and complaints about contractor professionalism with 4 mentions.

Interestingly, however, the companies we labeled as average to above average in their pool coverage were largely absent from the complaints. In fact, only 2 of 25 negative reviews mentioned those companies. Therefore, while pool coverage receives poor marks from consumers who give feedback, they mainly seem to be reviewing companies that provide lower coverage limits. We can thus conclude that higher coverage limits are correlated with fewer complaints and greater overall customer satisfaction.

Our Recommended Swimming Pool Warranty Providers Based on Our Research

Choose your State:
Raiting:97.50
  • Silver Combo Plan
    $517
  • Platinum Combo Plan
    $609
Pool
Spa
Saltwater pool
Cost
$180$180-
Limit
$500$500-

Raiting:97.00
  • Silver Systems Plan
    $348
  • Platinum Combo Plan
    $648
Pool
Spa
Saltwater pool
Cost
$21.25$21.25-
Limit
??-

Raiting:96.50