The Best Home Warranty Companies for Roof Coverage (2023)

Top 5 Best Home Warranty Companies for Roof Warranty:

• Choice Home Warranty (Best Overall) 
• Liberty Home Guard (Best Customer Service)
• American Home Shield (Most Customizable)
• Select Home Warranty  (Most Affordable) 
• America’s 1st Home Club (Best For Customization)

1. Best Overall: Choice Home Warranty

Choice Home Warranty is the best overall roof warranty. With a home warranty from Choice, you will get much more than just coverage for your roof. Choice Home Warranty has been on the market for over 13 years. In these 13 years, Choice has managed to build up a very strong reputation across the country. Choice Home Warranty plans are a mix of both system and appliance coverage, and they have impressive overall coverage. With Choice Home Warranty, the roof warranty is an add-on coverage that will be just as affordable as the rest of Choice Home Warranty’s plans. 

Plans, Pricing, and Coverage 

The two plans from Choice are the Basic Plan and the Total Plan. Overall, the plans will contain a mix of systems and appliances, but the Total Plan has some key coverages that many homeowners will not want to miss out on. Coverage caps for the roof warranty will be quite high, like the other coverage caps on Choice Home Warranty, which typically go to about $3000 per item. Choice Home Warranty is known for its overall fair pricing and coverage.  

Here’s a more detailed look at CHW’s plan options:

• Basic Plan ($45 per month): The Basic Plan covers 13 items, including plumbing system, ceiling fans, garbage disposal, heating system, cooktop exhaust fans, microwave, dishwasher, ductwork, electrical system, garage door opener, oven, toilet, and water heater. This is a perfect starter plan but will not cover a roof on its own. 
• Total Plan ($53.33 per month): This comprehensive plan covers all 13 items in the basic plan plus four more to cover a total of 18 items. This plan includes the clothes washer, dryer, refrigerator, and air conditioner coverage. The five additional coverages you get with the Total Plan are well worth the extra few dollars each month. This is the most popular plan, but you will still need to add roof warranty coverage separately. 
• Optional add-ons: Choice offers nine optional coverages, including roof leaking, central vacuum, septic tank, well pump, pool and spa, sump pump, and stand-alone freezer. The roof warranty is an additional $70 a year, certainly worth the price when you consider the amount of a roof leak repair.  

Read our Choice Home Warranty Review for more information

2. Best Customer Service: Liberty Home Guard 

 Liberty Home Guard is the best roof warranty for customer service. If you are worried about dealing with miserable employees who don’t know how to handle your home warranty-related issues, choose a Liberty Home Guard plan. This company has only been on the market for about three years, and they have already managed to earn an A- rating with the BBB. Liberty Home Guard is quick to answer any questions you have and get service scheduled for your home. The roof warranty coverage from Liberty Home Guard is an add-on, and it will cost $119.99 per year. This is slightly higher than other companies, but you may find that with all of LHG’s add-on coverages. The good news here is that service fees from Liberty are low. 

Plans, Pricing, and Coverage 

The three Liberty Home Guard plans include Appliance Guard, Systems Guard, and the Total Home Guard covering both appliances and systems. Some of the premiums for Liberty Home Guard are higher than other plans on the market. Coverage caps are around $1500 for most covered items; the roof warranty does not have a coverage cap and instead will be covered with a reasonable range. Most of the time, this is around the $1500 mark that most LHG’s covered items will have in place. 

Here are more details on Liberty Home Guard’s plans:

• Appliance Guard ($44.99 per month): The Appliance Guard plan covers 11 major appliances, including garage door opener, ceiling fans, cooktop exhaust fan, oven, refrigerator, garbage disposal, dishwasher, microwave, clothes washer, clothes dryer, and refrigerator ice-maker. This is a good start plan and can help homeowners to feel like LHG is a bit more affordable. 
• Systems Guard ($49.83 per month): The Systems Guard plan offers coverage on nine systems, including the electrical system, air conditioner, bath exhaust fan, heating system, toilet, ductwork, plumbing. plumbing stoppages, and water heater. Systems Guard is slightly more expensive simply because of the higher cost of repairing systems. 
• Total Home Guard ($54.33 per month): The Total Home Guard plan covers a total of 20 items and is the only comprehensive plan from Liberty Home Guard. The Total Home Guard is the most popular Liberty Home Guard plan, but it is the most expensive. When you add the roof leak coverage to this plan, it becomes one of the more premium-priced options on the market. 
• Optional add-ons: Liberty has one of the most extensive lists of items offered as add-ons, including some unique ones such as gutter and floor cleaning, re-key service, lawn sprinklers, pest control, and wine refrigerator. The pricing of Liberty Home Guard add-on coverages can add up quickly. 

Read our Liberty Home Guard Review for more information.

3. Most Customizable: American Home Shield 

American Home Shield is the most customizable plan for roof warranties. American Home Shield does an excellent job of letting homeowners pick and choose the coverages that will work best for their needs. Whether you are new to homeownership or have been in it for a long time, you will likely know how important it is to have coverage that is a perfect fit for your home’s needs. American Home Shield is considered a premium policy, and the service fees are customizable to help with overall affordability. The roof warranty is an add-on from American Home Shield, and it is going to cost $9.99 per month. Roof warranties will cover leaks in any area of the main part of the home. 

Plans, Pricing, and Coverage 

American Home Shield has three plans to choose from. The three plans are just starting points with American Home Shield. You can customize the plan from here and decide what coverages are the best for your needs. American Home Shield has roof warranty coverage as an add-on that will have a coverage cap of $1500. The coverage caps for the majority of systems and appliances from American Home Shield are $2500. American Home Shield has been on the market for more than 50 years, and when it comes to coverage, this is considered a premium plan. 

Take a closer look at AHS’s protection plan options: 

• ShieldSilver™ ($35.82 per month): This plan offers coverage on 14 home systems, including air conditioning, electrical system, smoke alarms, water heater, doorbells, garage door opener,  heating system, plumbing, and ductwork. Most of the systems on this plan include coverage caps around $2500. This is a very strong home warranty policy that many will take advantage of, and then add the roof warranty as an extra. 
• ShieldGold™ ($55.82 per month): This plan covers 23 systems and appliances, including many offered on the ShieldSilver plan plus clothes washer, dishwasher, clothes dryer, microwave, oven, and refrigerator. ShieldGold is one of the most popular plans because it has both system and appliance coverage. 
• ShieldPlatinum™ ($85.82  per month): This plan covers a total of 27 systems and appliances, including the 23 items covered in ShieldGold plus disposal, water dispenser, locksmith, and free roof leak coverage. ShieldPlatinum has many other benefits, including a $1000 coverage for unexpected expenses like permits. This is one of the most comprehensive plans on the market, but it comes at a higher price.
• Optional add-ons: There are several additional coverages offered by AHS, including the septic system, pool, spa, PC, TV, and well pump coverage. The pool coverage seems to be the most popular option considering the pricing and the coverage. The roof warranty is $9.99 per month.  

Read our American Home Shield Review for more information.

4. Most Affordable: Select Home Warranty 

Select Home Warranty is the most affordable home warranty on the market. The reason that Select Home Warranty wins as the most affordable home warranty for roof coverage is that it is free. This plan offers free roof leak coverage with any home warranty you purchase. Select Home Warranty has been on the market for ten years, and it is by far the best option you can find for the money. If you are looking for a plan that also has quality workmanship, Select Home Warranty is a great option. Contractors and repair technicians have to pass rigorous testing to be approved by Select Home Warranty. 

Plans, Pricing, and Coverage 

The three Select Home Warranty policies for homeowners include the Gold Care plan which covers appliances, the Bronze Care plan which covers systems, and the comprehensive combo Platinum Care plan. All three of these plans will come with free roof leak coverage. The coverage caps on the Select Home Warranty plans are typically a bit lower than they are from other plans. However, the Select Home Warranty coverage cap for the roof leak is right around $500. This should be enough to help you get a small leak repaired and sealed before you can have the major issues assessed and dealt with. 

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

• Bronze Care ($44.42 per month): The Bronze Care plan is a starter appliance plan; this is a very fair price. This plan covers seven major appliances, including refrigerators, built-in microwaves, clothes washers and dryers, ovens, garbage disposals, and cooktops. This plan costs the same as the Gold Care plan but doesn’t include systems coverage.
• Gold Care ($44.42 per month): Gold Care is very similar to Bronze Care, except that it offers systems coverage only. Again, this plan will come with free roof leak coverage. The six major systems included in the Gold Care plan are plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork. 
• Platinum Care ($47.75 per month): The Platinum Care plan offers complete protection and covers all systems and appliances that are covered in the Bronze Care and Gold Care plans. It has higher coverage limits on important items such as a $2,000 air conditioner, heating, and hot water heater and comes with free roof leak coverage. This is by far the best plan choice for homeowners looking for a combo policy with a roof warranty included.
• Optional Add-Ons: There are several optional add-ons, including central vacuums, lawn sprinkler systems, pools, spas, stand-alone freezers, sump pumps, and well pumps. 

For more information read our Select Home Warranty Review.

5. Best for Quick Coverage: The Home Service Club 

The Home Service Club has the best quick coverage for a roof warranty. The great thing about The Home Service Club is that just ten days after paying for the policy, your home warranty plan will be up and running. The Home Service Club does a great job of giving homeowners quick coverage for everything from the microwave to the roof. The Home Service Club considers a roof warranty to be an add-on coverage, and it will cost just over $100 a year to add this to your home warranty plan. With the comprehensive coverage that you can get from this 13-year-old home warranty provider, adding roof coverage could mean your entire home is fully covered. If you want tremendous peace of mind, go with The Home Service Club home warranty. 

Plans, Pricing, and Coverage 

There are two The Home Service Club home warranty plans to choose from. The Standard Coverage has about 18 covered appliances and systems, while the Comprehensive Plan has 33. Coverage caps from The Home Service Club will range in price from around $500 to $2500. We are very impressed with the overall coverage that you get with the Standard Coverage, and this is considered the most popular option for The Home Service Club customers. If you have a failed repair, The Home Service Club will come out and fix it within a 90-day window. 

Take a more detailed look at The Home Service Club’s home warranty plans:

• Standard Coverage ($46.25 per month): The Standard Plan is the most basic option from The Home Service Club. Even though this is considered the basic plan, there are 18 covered items. The coverages include air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more. Remember that the roof warranty will be an add-on. 
• Comprehensive Coverage ($58.75 per month): The Comprehensive Coverage Plan from The Home Service Club takes the Standard Plan and increases the coverage by about ten items. The extra coverages include things like gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. Some coverages included under the comprehensive plan are a bit more than an average home will need. 
• Optional add-ons: The add-on coverages from The Home Service club are quite good. There are 12 additional or add-on coverages as part of their home warranty plan. The add-ons include things like a well pump, service line, plumbing sprinkler, spa and spa heater, free-standing freezer, water softener, and more. The roof warranty has a slightly lower coverage cap and will have to cover issues on the main part of the roof, not the garage or side house. 

Read our HSC Review to learn more.

Roof Types

How Much is a Home warranty for Roof Coverage?

Getting a roof warranty is not a common option offered by home warranty service providers. We researched 67 companies and found that less than half of them offer roof coverage. Upon analyzing each roof warranty in further detail, we found that there was no standard roof warranty. Each company had its own list of covered and non-covered items related to roof repairs.

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

Roof coverage offered by home warranty companies

Roof coverage offered by home warranty companies

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Only 6% of the companies included a roof warranty in their plans. In 40% of the companies, it was offered as an optional add-on item priced a la carte. The prices for a roof warranty range from $45 to $180 a year. For example, 2-10 Home Buyers Warranty offers roof coverage up to $1000 for $100 a year.

Some home warranty companies, such as Select Home Warranty, offer free roof leak coverage as a signup bonus to new customers.

Almost 54% of the analyzed companies did not offer any standard roof warranty. In many leading home warranty companies, such as American Home Shield, roof leaks were not covered, and First American Home Warranty roof coverage was not available either.

 

Roof warranty limitations

A home warranty roof coverage may look appealing to the homeowners, due to the low deductibles. However, a roof warranty comes with many limitations. It is important to be familiar with them when buying a roof coverage home warranty. In the table below, we have gathered information on covered and non-covered items provided by the home warranty companies.

For example, 84% of the companies that we have analyzed mention in their terms that they do not cover any additional objects located on the roof, such as drains, chimneys, vents, etc. Only 58% of the companies that do offer a roof warranty will provide coverage for the occupied living area in the house and the garage roof. Typically, no balcony roofs, condominium or townhouse roofs, decks, or patio rooms are covered.

Covered

• Material
  
• Location
  
• Area (square feet)
  
• Breakdown Types
  
• Breakdown reason
  

Not covered

• Material
  
• Other stuff
  
• Breakdown Types
  
• Location
  
• Breakdown reason
  

• Composition roofs
• Shingle roofs
• Tar-and-gravel roofs
• Tile roofs
• Shake roofs
• Rolled roofs
• Slate roofs

• Over the occupied living area
• Garage roof

• 5
• 20

• Leaks only

• Normal wear and deterioration
• Rain and/or normal wear and deterioration

• Camwood shake roofs
• Clay tile roofs
• Foam roofs
• Masonite shingle roofs
• Metal roofs
• Rolled roofs
• Rubber cap sheet
• Shingle roofs
• Tar-and-gravel roofs
• Tile roofs
• Wood and underlayment

• Antennae
• Attic vents
• Chimneys
• Counter flashing
• Downspouts
• Drains
• Fiberglass
• Flashing
• Glass
• Gutters
• Heating or cooling equipment
• Roof jacks
• Routine periodic maintenance
• Satellite components
• Scuppers
• Secondary damage
• Skylights
• Solar equipment
• Vents

• Cracked and/or missing material
• Partial or complete roof replacement
• Penetrations
• Structural leaks

• Balconies roofs
• Condominium or townhouse roofs
• Decks roofs
• Garage roofs
• Patios roofs
• Porches roofs
• Roof leaks outside the confines of the main foundation

• Acts of God
• Damage caused by persons walking or standing on the roof
• Improper construction or repair
• Pre-existing leaks
• Preventative Maintenance
• Roof-mounted installations
• Snow cover or ice damming
• Water damage