Which Home Warranty Plan is the Cheapest?

As soon as we become homeowners, we want to protect our house from unexpected malfunctions of home systems and appliances, and our wallets from high repair costs. However, we don’t want to pay too much for a home warranty either. So, we start looking for the cheapest home warranty plan.

As we start selecting the best home warranty plan, many questions arise. If we just look at the price and buy the plan that costs less, will it give us the best value for our money? If plans in two different companies cost the same, will they provide the same coverage? Let’s take a look at the cheapest plans available on the home warranty insurance market and try to find the answers to these questions.

Cheapest home warranty plans

Company
Plan
Premium (Year)
Deductible
Limit
Coverage
Get free quote
Company
Plan
Rating
#1
Rating: 87.90
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Major System Plan
Level:
Silver
Type:
Combo
$288
$45
$750 - $3,000
27%
Details
#1
Major System Plan
Rating: 87.90
Level:
Silver
Type:
Combo
Deductible
$45
Limit
$750 - $3,000
Premium(Year)
$288
Coverage
27%
Details
Air conditioner
Limit Amount: $3000.00
Covered:
  • Condenser fan and blower motor
  • Thermostats
  • Capacitors
  • Relays
  • Contactors
  • Start assist
  • Thermostats
  • Switches
  • Transformers
  • Boards
  • Covers the primary floor air conditioning unit of the covered home for residential use not to exceed 5 (five) ton capacity
Not Covered:
  • Geothermal systems
  • Filters
  • Mismatched systems
  • Maintenance
  • Refrigerant escape/leak
  • Leaks of any kind
Heating system
Limit Amount: $3000.00
Covered:
  • Covers the residential primary system
  • Condenser fan and blower motor
  • Thermostats
  • Capacitors
  • Relays
  • Contactors
  • Start assist
  • Thermostats
  • Switches
  • Transformers
  • Boards
  • Ignition modules
  • Burner assembly
  • Thermocouple
Not Covered:
  • Filters
  • Solar and zone systems
  • Humidifiers
  • Flu and exhaust
  • Geothermal unit
  • Exchange mechanism / box
  • Heat converter
Electrical
Limit Amount: $3000.00
Covered:
  • Wiring
  • Service panels
  • Subpanels
  • Switches
  • Breakers
  • Outlets
  • Ground fault interrupters
Not Covered:
  • Damage to the electrical system caused by flood, fire, water, surge, power failure, and rust
  • Fixtures, inadequate wiring capacity, attic/exhaust fans, wire tracing, running of new wires
Plumbing
Limit Amount: $3000.00
Covered:
  • Leaks in plumbing line NOT caused by freezing or roots
  • Toilet bowls, flapper, toilet float, fill tube, overflow tube, flush handle and chain, trip lever
  • Mainline stoppage is only covered if there is an accessible ground level cleanout in the home
  • Built in bathtub Whirlpool Motor
Not Covered:
  • Stoppages caused by collapsed, damaged or broken drain, vent or sewer lines outside the confines of the main foundation if the home, roots, or foreign object
  • Slab leaks, Sinks, Tubs and fixtures. If the lines are broken or infiltrated by roots or are otherwise stopped by roots, even if the break, infiltration or stoppage is within 75 feet from the access point, it is not covered
  • Access to drain or sewer lines from the vent or the removal of the water closet
  • Costs to locate, access or install a ground level clean out
  • Septic tanks
  • Water softener
Plumbing stoppages
Limit Amount: $750.00
Covered:
  • Leaks in plumbing line NOT caused by freezing or roots
  • Toilet bowls, flapper, toilet float, fill tube, overflow tube, flush handle and chain, trip lever
  • Mainline stoppage is only covered if there is an accessible ground level cleanout in the home
  • Built in bathtub Whirlpool Motor
Not Covered:
  • Stoppages caused by collapsed, damaged or broken drain, vent or sewer lines outside the confines of the main foundation if the home, roots, or foreign object
  • Slab leaks, Sinks, Tubs and fixtures. If the lines are broken or infiltrated by roots or are otherwise stopped by roots, even if the break, infiltration or stoppage is within 75 feet from the access point, it is not covered
  • Access to drain or sewer lines from the vent or the removal of the water closet
  • Costs to locate, access or install a ground level clean out
  • Septic tanks
  • Water softener
Water heater
Limit Amount: Unknown
Covered:
  • Thermostats
  • Burner assembly
  • Couplings
  • Switches
  • Thermocouple
  • Ignition module
  • Heating element
  • Gas igniter and coupler
Not Covered:
  • Solar water heater
  • Lowboy/squat
  • Leaks
  • Pumps
  • Periodic flushing
Rating: 95.10
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Basic Plan
Level:
Silver
Type:
Combo
$300
$75
$3,500
44%
Details
Basic Plan
Rating: 95.10
Level:
Silver
Type:
Combo
Deductible
$75
Limit
$3,500
Premium(Year)
$300
Coverage
44%
Details
Dishwasher
Limit Amount: $3500.00
Covered:
  • All Parts
Not Covered:
  • Racks
  • Baskets
  • Rollers
  • Knobs
  • Dials
Disposal
Limit Amount: $3500.00
Covered:
  • All Parts
Not Covered:
Water dispenser
Limit Amount: Unknown
Covered:
  • All Parts
Not Covered:
Trash compactor
Limit Amount: $3500.00
Covered:
  • All Parts
Not Covered:
  • Removable buckets
  • Knobs
  • Lock assemblies
Oven
Limit Amount: $3500.00
Covered:
  • All Parts
Not Covered:
  • Rotisseries
  • Lights
  • Knobs
  • Dials
  • Racks
  • Door glass
  • Interior lining
  • Magnetic induction cooktops
  • Meat probe assemblies
  • Clocks
Microwave
Limit Amount: $3500.00
Covered:
  • All Parts
Not Covered:
  • Interior lining
  • Door glass
  • Clocks
  • Racks
  • Knobs
  • Removable trays
  • Rotisseries
  • Lights
  • Meat probe assemblies
Refrigerator
Limit Amount: $3500.00
Covered:
  • All parts
Not Covered:
  • Insulation
  • Racks
  • Shelves
  • Drawers
  • Tracks
  • Handles
  • Lights
  • Ice crushers
  • Beverage dispensers and their respective equipment
  • Interior thermal shells
  • Food spoilage
  • Stand alone freezers
  • Refrigerators located outside kitchen area and refrigerant recapture
  • Reclaim and disposal
Washer
Limit Amount: Unknown
Covered:
  • All parts
Not Covered:
  • Plastic mini-tubs
  • Soap dispensers
  • Filter and lint screens
  • Knobs and dials
  • Venting
  • Damage to clothing
Dryer
Limit Amount: Unknown
Covered:
  • All parts
Not Covered:
  • Plastic mini-tubs
  • Soap dispensers
  • Filter and lint screens
  • Knobs and dials
  • Venting
  • Damage to clothing
Cooktop exhaust fan
Limit Amount: Unknown
Covered:
  • All parts
Not Covered:
Ceiling fan
Limit Amount: Unknown
Covered:
  • All parts
Not Covered:
  • Light kits and remote transmitters
Attic fans
Limit Amount: Unknown
Covered:
  • All parts
Not Covered:
Rating: 86.40
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Home Systems Plan
Level:
Gold
Type:
Systems
$360
$100
$500 - $1,000
42%
Details
Home Systems Plan
Rating: 86.40
Level:
Gold
Type:
Systems
Deductible
$100
Limit
$500 - $1,000
Premium(Year)
$360
Coverage
42%
Details
Heating system
Limit Amount: $500.00
Covered:
  • All components and parts of the following air conditioning and heating systems.
  • Ducted electric central air conditioning systems.
  • Forced air, gas, or electric central heating systems.
  • Air source heat pumps.
  • All mechanical parts thereof, including but not limited to thermostats and leaks in accessible refrigerant lines.
  • Multiple units covered.
  • Air handling transition.
  • Plenum.
  • Duct transition.
  • Flues.
  • Flex piping
  • Refrigerant lines
  • Drain pans and lines.
  • Indoor electrical.
  • HEATING TUNE-UP. Tune-ups are covered for one unit. Contract Holder will be responsible to pay the service contractor $30 for each additional unit.
  • Calibrate thermostat.
  • Check heat operations.
  • Clean and tighten electrical connections.
  • Inspect pilot system.
  • Test safety switches.
  • Test limit switches.
  • Clean burners.
Not Covered:
  • Water source heat pumps.
  • Boiler and radiant heat systems.
  • Wall units.
  • Window units.
  • Water evaporative coolers
  • Portable units
  • Chiller systems and chiller components.
  • Solar heating.
  • Oil or diesel heating systems.
  • Units in excess of 5-ton capacity.
  • Fireplaces of any kind (even if main source of heat) and key valves.
  • Wood, pellet, or gas stoves.
  • Humidifiers.
  • Filters.
  • Electronic air cleaners.
  • Computerized HVAC management systems or zone controllers.
  • Flues and vents.
  • Roof jacks or stands.
  • Condenser casings.
  • Deionizers.
  • Registers.
  • Grills.
  • Rre-coolers.
  • Leak detection tests.
  • Structural modifications required in connection with any covered repair. Inaccessible and/or wall obstructed refrigerant lines.
  • Drain and condensate pans, except as noted in “Efficiency and Modifications”.
  • Failure or inadequacy caused by system operation outside of manufacturer specifications.
Air conditioner
Limit Amount: $500.00
Covered:
  • All components and parts of the following air conditioning and heating systems.
  • Ducted electric central air conditioning systems.
  • Forced air, gas, or electric central heating systems.
  • Air source heat pumps.
  • All mechanical parts thereof, including but not limited to thermostats and leaks in accessible refrigerant lines.
  • Multiple units covered.
  • Air handling transition.
  • Plenum.
  • Duct transition.
  • Flues.
  • Flex piping
  • Refrigerant lines
  • Drain pans and lines.
  • Indoor electrical.
  • AIR CONDITIONING* TUNE-UP. Tune-ups are covered for one unit. Contract Holder will be responsible to pay the service contractor $30 for each additional unit.
  • Calibrate thermostat.
  • Test temperature split.
  • Check refrigerant levels and system pressures.
  • Perform amp draw on condenser and evaporator motors and compressor.
  • Clean condenser coils.
  • Check contactors.
  • Check condensate lines.
  • Clean and tighten electrical connections.
  • Test capacitors.
  • Test safety switches.
Not Covered:
  • Water source heat pumps.
  • Boiler and radiant heat systems.
  • Wall units.
  • Window units.
  • Water evaporative coolers
  • Portable units
  • Chiller systems and chiller components.
  • Solar heating.
  • Oil or diesel heating systems.
  • Units in excess of 5-ton capacity.
  • Fireplaces of any kind (even if main source of heat) and key valves.
  • Wood, pellet, or gas stoves.
  • Humidifiers.
  • Filters.
  • Electronic air cleaners.
  • Computerized HVAC management systems or zone controllers.
  • Flues and vents.
  • Roof jacks or stands.
  • Condenser casings.
  • Deionizers.
  • Registers.
  • Grills.
  • Rre-coolers.
  • Leak detection tests.
  • Structural modifications required in connection with any covered repair. Inaccessible and/or wall obstructed refrigerant lines.
  • Drain and condensate pans, except as noted in “Efficiency and Modifications”.
  • Failure or inadequacy caused by system operation outside of manufacturer specifications.
Plumbing
Limit Amount: $1000.00
Covered:
  • Gas or electric water heaters up to 70 gallons (multiple units covered), including but not limited to failure caused by sediment.
  • Tankless water heaters.
  • Plumbing pipe leaks.
  • Clearing of drain line stoppages through an accessible cleanout, up to 100 feet from access point, including hydrojetting when stoppage cannot be cleared by a standard 100 foot sewer cable.
  • Recirculating pump.
  • Toilets and related mechanisms.
  • Toilet wax ring seals.
  • Built-in bathtub whirlpool motor, pump, and air switch assemblies.
  • Valves for shower, tub, and diverter valves.
  • Ball valves.
  • Gate valves.
  • Faucets, shower arms and shower heads (replaced with chrome builders standard, when necessary).
  • Interior hose bibbs.
  • Pressure regulators.
  • Permanently installed sump pumps (ground water only).
  • Toilet tanks and bowls replaced with builders standard, when necessary.
Not Covered:
  • Stoppages caused by collapsed, damaged, or broken drain, vent, or sewer lines outside the home’s main foundation.
  • Stoppages or breaks caused by roots or non biodegradable objects.
  • Cameras.
  • Flow restrictions in fresh water lines.
  • Bathtubs.
  • Sinks.
  • Showers.
  • Shower enclosures and base pans.
  • Toilet lids and seats.
  • Whirlpool jets.
  • Caulking.
  • Grouting.
  • Water filtration/purification system.
  • Septic tanks.
  • Holding or storage tanks.
  • Saunas or steam rooms.
  • Costs to locate or access cleanouts, including through roof vents.
  • Cost to install cleanouts; external hose bibbs.
  • Polybutylene piping.
  • Leak detection tests.
  • Water heater expansion tanks.
  • Icemaker water lines.
  • Water softeners.
  • Inadequate or excessive water pressure.
  • Sewage ejector pump.
  • Obstructions to plumbing are the Contract Holder’s responsibility to remove and include: tile, cabinetry, or any other items permanently affixed or requiring additional work to remove.
  • All other parts and repairs that are not listed as covered.
Electrical
Limit Amount: Unknown
Covered:
  • Wiring.
  • Panels and subpanels.
  • Plugs.
  • Switches and fuses.
  • Junction boxes.
  • Circuit breakers.
  • Conduit.
  • Exhaust fans including kitchen exhaust fan, ceiling fans.
Not Covered:
  • Light fixtures.
  • Wireless remotes.
  • Ballasts.
  • Telephone wiring.
  • Heat lamps.
  • Intercoms.
  • Alarms.
  • Electronic or computerized energy management or lighting and appliance management systems.
  • Doorbell and related wiring.
  • Chimes.
  • Saunas or steam rooms.
  • Smoke detectors.
Pests
Limit Amount: $700.00
Covered:
  • INCLUDES TREATMENT OF:
  • Ants;
  • Roaches;
  • Crickets;
  • Spiders;
  • Silverfish;
  • Millipedes;
  • Centipedes;
  • Pillbugs;
  • Ground beetles;
  • Earwigs;
  • Clover mites;
  • Sowbugs.
  • SUBTERRANEAN TERMITE TREATMENT:
  • Subterranean termite infestation treatment located in the interior of the home
  • or exterior of the main foundation/perimeter of the home and attached garage
Not Covered:
  • DOES NOT INCLUDE TREATMENT OF:
  • Fungus;
  • Wood-destroying organisms, including termites and any pest not listed above;
  • Infested areas outside the perimeter of the main house foundation;
  • Repair of past, existing, or future damage to the property caused by any
  • wood-destroying insect or organism
  • Decks, fences, and infestation or treatment of any area farther than 24 inches away from the main foundation/perimeter of the home.
  • Any repairs or damages due to subterranean termites
Plumbing stoppages
Limit Amount: Unknown
Covered:
Not Covered:
Toilet
Limit Amount: Unknown
Covered:
Not Covered:
Water heater
Limit Amount: Unknown
Covered:
Not Covered:
Ceiling fan
Limit Amount: Unknown
Covered:
Not Covered:
Cooktop exhaust fan
Limit Amount: Unknown
Covered:
Not Covered:
Bath exhaust fan
Limit Amount: Unknown
Covered:
Not Covered:
Ductwork
Limit Amount: Unknown
Covered:
Not Covered:
Rating: 92.80
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Basic Plan
Level:
Silver
Type:
Combo
$411
$75
$500 - $1,500
58%
Details
Basic Plan
Rating: 92.80
Level:
Silver
Type:
Combo
Deductible
$75
Limit
$500 - $1,500
Premium(Year)
$411
Coverage
58%
Details
Heating system
Limit Amount: $1500.00
Covered:
  • All components and parts necessary for the operation of the heating system
  • For units below 13 SEER and when We are unable to facilitate repair/replacement of failed covered equipment at the current SEER rating, repair/replacement will be performed with 13 SEER equipment and/or 7.7 HSPF or higher compliant
Not Covered:
  • Outside or underground piping
  • Components for geothermal and/or water source heat pumps
  • Redrilling of wells for geothermal and/or water source heat pumps
  • Well pump
  • Well pump components for geothermal and/or water source heat pumps
  • Access
  • Radiators or valves
  • Baseboard casings
  • Radiant heating
  • Dampers
  • Valves
  • Fuel storage tanks
  • Portable units
  • Solar heating systems
  • Fireplaces and key valves
  • Filters
  • Line dryers and filters
  • Oil filters, nozzles, or strainers
  • Registers
  • Backflow preventers
  • Evaporator coil pan
  • Primary or secondary drain pans
  • Grills
  • Clocks
  • Timers
  • Add-ons for zoned systems
  • Heat lamps
  • Humidifiers
  • Flues and vents
  • Improperly sized heating systems
  • Mismatched systems
  • Chimneys
  • Pellet stoves
  • Cable heat (in ceiling
  • Wood stoves (even if only source of heating)
  • Calcium build-up
  • Maintenance
Electrical
Limit Amount: $500.00
Covered:
  • All components and parts including built-in bathroom exhaust fans
Not Covered:
  • Fixtures
  • Carbon monoxide alarms, smoke detectors, detectors or related systems
  • Intercoms and doorbell systems associated with intercoms
  • Inadequate wiring capacity
  • Solar power systems and panels
  • Solar Components
  • Energy Management Systems
  • Direct current (D.C.) wiring or components
  • Attic exhaust fans
  • Commercial grade equipment
  • Auxiliary or sub-panels
  • Broken and/or severed wires
  • Rerunning of new wiring for broken wires
  • Wire tracing
  • Garage door openers
  • Central vacuum systems
  • Damages due to power failure or surge
  • Circuit Overload
Plumbing
Limit Amount: $500.00
Covered:
  • Leaks and breaks of water, drain, gas, waste or vent lines, except if caused by freezing or roots
  • Toilet tanks, bowls and mechanisms (replaced with builder’s grade as necessary), toilet wax ring seals Valves for shower, tub, and diverter angle stops, rinses and gate valves
  • Permanently installed interior sump pumps
  • Built-in bathtub whirlpool motor and pump assemblies
  • Stoppages/Clogs in drain and sewer lines up to 100 feet from access point
  • Mainline stoppages are only covered if there is an accessible ground level clean out
Not Covered:
  • Stoppages and clogs in drain and sewer lines that cannot be cleared by cable or due to roots, collapsed, broken, or damaged lines outside the confines of the main foundation (even if within 100 feet of access point)
  • Access to drain or sewer lines from vent or removal of water closets
  • Cost to locate, access or install ground level clean out
  • Slab leaks
  • Polybutylene or Quest piping
  • Galvanized drain lines
  • Hose Bibs
  • Drum traps
  • Flange
  • Collapse of or damage to water, drain, gas, waste or vent lines caused by freezing, settlement and/or roots
  • Faucets, fixtures, cartridges, shower heads & shower arms
  • Baskets and strainers
  • Popup assemblies
  • Bathtubs and showers
  • Cracked porcelain
  • Glass
  • Shower enclosures and base pans
  • Roman tubs
  • Bath tub drain mechanisms
  • Sinks
  • Toilet lids and seats
  • Cabling or grouting
  • Whirlpool jets
  • Whirlpool control panel
  • Septic tanks
  • Sewage ejector pumps
  • Water softeners
  • Pressure regulators
  • Inadequate or excessive water pressure
  • Flow restrictions in fresh water lines caused by rust, corrosion or chemical deposits
  • Holding or storage tanks
  • Saunas and/or steam rooms
Water heater
Limit Amount: Unknown
Covered:
  • All components and parts, including circulating pumps
Not Covered:
  • Access
  • Insulation blankets
  • Pressure reducing valve
  • Sediment build-up
  • Rust and corrosion
  • Main, Holding or storage tanks
  • Vents and flues
  • Thermal expansion tanks
  • Low boy and/or Squat water heaters
  • Solar water heaters
  • Solar components
  • Fuel, holding or storage tanks
  • Noise
  • Energy management systems
  • Commercial grade equipment and units exceeding 75 gallons
  • Drain pans and drain lines
  • Tankless waterheaters
Oven
Limit Amount: Unknown
Covered:
  • All components and parts
Not Covered:
  • Clocks (unless they affect the cooking function of the unit)
  • Meat probe assemblies
  • Rotisseries
  • Racks
  • Handles
  • Knobs
  • Door seals
  • Doors
  • Hinges
  • Lighting and handles
  • Glass
  • Sensi-heat burners will only be replaced with standard burners
Dishwasher
Limit Amount: Unknown
Covered:
  • All components and parts
Not Covered:
  • Racks
  • Baskets
  • Rollers
  • Hinges
  • Handles
  • Doors
  • Door gaskets
  • Damage caused by broken glass
  • Cleaning
Microwave
Limit Amount: Unknown
Covered:
  • All components and parts
Not Covered:
  • Doors
  • Hinges
  • Handles
  • Doors
  • Door glass
  • Lights
  • Interior linings
  • Trays
  • Clocks
  • Shelves
  • Portable or counter top units
  • Arcing
  • Meat probe assemblies
  • Rotisseries
Disposal
Limit Amount: Unknown
Covered:
  • ll components and parts, including entire unit
Not Covered:
  • Problems and/or jams caused by bones, glass, or foreign objects other than food
Ductwork
Limit Amount: $500.00
Covered:
  • Duct from heating unit to point of attachment at registers or grills
Not Covered:
  • Registers and grills
  • Insulation
  • Asbestos-insulated ductwork
  • Vents, flues and breaching
  • Ductwork exposed to outside elements
  • Improperly sized ductwork
  • Separation due to settlement and/or lack of support
  • Damper motors
  • Diagnostic testing of, or locating leaks to ductwork, including but not limited to, as required by any federal, state or local law, ordinance or regulation, or when required due to the installation or replacement of system equipment.
Garage door
Limit Amount: Unknown
Covered:
  • All components and parts
Not Covered:
  • Garage doors
  • Hinges
  • Springs
  • Sensors
  • Chains
  • Travelers
  • Tracks
  • Rollers
  • Remote receiving and/or transmitting devices
Ceiling fan
Limit Amount: Unknown
Covered:
  • Motors
  • Switches
  • Controls
  • Bearings
Not Covered:
  • Fans
  • Blades
  • Belts
  • Shutters
  • Filters
  • Lighting
Cooktop exhaust fan
Limit Amount: Unknown
Covered:
  • Motors
  • Switches
  • Controls
  • Bearings
Not Covered:
  • Fans
  • Blades
  • Belts
  • Shutters
  • Filters
  • Lighting
Plumbing stoppages
Limit Amount: $500.00
Covered:
  • Leaks and breaks of water, drain, gas, waste or vent lines, except if caused by freezing or roots
  • Toilet tanks, bowls and mechanisms (replaced with builder’s grade as necessary), toilet wax ring seals Valves for shower, tub, and diverter angle stops, rinses and gate valves
  • Permanently installed interior sump pumps
  • Built-in bathtub whirlpool motor and pump assemblies
  • Stoppages/Clogs in drain and sewer lines up to 100 feet from access point
  • Mainline stoppages are only covered if there is an accessible ground level clean out
Not Covered:
  • Stoppages and clogs in drain and sewer lines that cannot be cleared by cable or due to roots, collapsed, broken, or damaged lines outside the confines of the main foundation (even if within 100 feet of access point)
  • Access to drain or sewer lines from vent or removal of water closets
  • Cost to locate, access or install ground level clean out
  • Slab leaks
  • Polybutylene or Quest piping
  • Galvanized drain lines
  • Hose Bibs
  • Drum traps
  • Flange
  • Collapse of or damage to water, drain, gas, waste or vent lines caused by freezing, settlement and/or roots
  • Faucets, fixtures, cartridges, shower heads & shower arms
  • Baskets and strainers
  • Popup assemblies
  • Bathtubs and showers
  • Cracked porcelain
  • Glass
  • Shower enclosures and base pans
  • Roman tubs
  • Bath tub drain mechanisms
  • Sinks
  • Toilet lids and seats
  • Cabling or grouting
  • Whirlpool jets
  • Whirlpool control panel
  • Septic tanks
  • Sewage ejector pumps
  • Water softeners
  • Pressure regulators
  • Inadequate or excessive water pressure
  • Flow restrictions in fresh water lines caused by rust, corrosion or chemical deposits
  • Holding or storage tanks
  • Saunas and/or steam rooms
Toilet
Limit Amount: Unknown
Covered:
Not Covered:
Rating: 86.50
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Appliances Plan
Level:
Platinum
Type:
Appliance
$444
$125
$1,500
34%
Details
Appliances Plan
Rating: 86.50
Level:
Platinum
Type:
Appliance
Deductible
$125
Limit
$1,500
Premium(Year)
$444
Coverage
34%
Details
Refrigerator
Limit Amount: $1500.00
Covered:
  • All components and parts of your refrigerator in your kitchen (including integral freezer or ice maker), except those noted as not covered
Not Covered:
  • Racks
  • Shelves
  • Beverage dispensers and their respective equipment
  • Interior thermal shells
  • Freezers that are not an integral part of the refrigerator
  • Food or other content spoilage
  • Light bulbs
Washer
Limit Amount: $1500.00
Covered:
  • All components and parts of your clothes washer, except those noted as not covered
Not Covered:
  • Mini portable washing machines
  • Soap dispensers
  • Filter screens
  • Knobs and dials
  • Clothing or other items damaged in using the clothes washer
Dryer
Limit Amount: $1500.00
Covered:
  • All components and parts of your clothes washer, except those noted as not covered
Not Covered:
  • Venting
  • Lint screens
  • Knobs and dials
  • Clothing or other items damaged in using the clothes dryer
Oven
Limit Amount: $1500.00
Covered:
  • All components and parts of your gas or electric, built-in, portable or freestanding range/oven/cooktop, except those noted as not covered
Not Covered:
  • Clocks or light bulbs (unless they affect the function of the oven)
  • Meat probe assemblies
  • Rotisseries
  • Racks
  • Handles
  • Knobs and dials
  • Note: Sense-heat burners will be replaced with standard burners.
Dishwasher
Limit Amount: $1500.00
Covered:
  • All components and parts of your built-in or portable dishwasher, except those noted as not covere
Not Covered:
  • Racks
  • Basket(s)
  • Rollers
Microwave
Limit Amount: $1500.00
Covered:
  • All components and parts of your built-in microwave oven, except those noted as not covered
Not Covered:
  • Interior linings
  • Door glass
  • Light bulbs
  • Clocks
  • Shelves
  • Portable or countertop units
  • Meat probe assemblies
  • Rotisseries
Trash compactor
Limit Amount: $1500.00
Covered:
  • All components and parts of your built-in or portable trash compactor, except those noted as not covered
Not Covered:
  • Lock and key assemblies
  • Removable buckets
Garage door
Limit Amount: $1500.00
Covered:
  • All components and parts of your garage door opener, except those noted as not covered
Not Covered:
  • Garage doors
  • Counterbalance mechanisms (including cables and springs)
  • Tracks
  • Rollers
  • Remote sending units

Prices for the Cheapest Home Warranty Companies

ReviewHomeWarranties.com has analyzed the prices for the cheapest plans in 24 home warranty companies. In three companies, the prices of the cheapest home warranty insurances were less than $200 per year. Five companies priced their cheapest warranty plans from $200 to $250, another fifteen companies had a price range between $250 and $500, and in one company, ABC Home Services, the cheapest plan was $625.

The cheapest home warranty plan cost distribution

PER ANNUM PRICES

Such huge differences in the costs of the cheapest home warranty insurance are explained by the coverage offered by each plan. For example, the $48 plan in HomeServe USA is called the Electrical Surge Coverage Plan. The electrical system is the only thing that is covered by this plan. Alternatively, the Home-SAFE Warranty/ABC Home Services plan that is available for $625 provides coverage for a wide range of home systems and appliances.

The Cheapest Home Warranty Plans


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 Cheapest Home Warranty Plans 2019

How much money can you save if you choose the cheapest warranty cover? To answer this question, we compared the prices for the cheapest and the most expensive plan within one company. The difference ranged from 18.3% to 82.6%. In the graph below, we show how much you can save if you buy the cheapest warranty plan in the company instead of the most expensive plan.

Savings distribution when selecting the cheapest home warranty plan

The data was collected from 24 home warranty companies. In four companies, there was no difference, all plans cost the same. In five companies you could save between 18.3% and 25.3% if you purchased a cheaper plan. In the other ten companies, the difference was between 34% and 47%. In the last group, the cheapest plan cost ranged from 52% to 82% percent less than the most expensive one. In Select Home Warranty, for example, you would pay 33.8% less for the cheapest plan, while in HelloSuper the difference would be 77.8%.

 

Coverage of the Cheapest Home Warranty Plans

What about similar-priced home warranty plans in different companies? How different is their coverage? To answer these questions, we selected three well-known home warranty service providers: American Home Shield, Total Home Protection, and Choice Home Warranty, and compared their cheapest plans. In all three companies, the cheapest plan costs around $35 per month. Now let’s see what every plan covers.

In American Home Shield, there are two cheaper plans: The Systems Plan and the Appliance Plan. As we can infer from the name, the Systems Plan covers home systems: air conditioning, electrical, heating and plumbing, ceiling fans, alarm, doorbell, central vacuum, and water heater. The Appliance Plan, on the contrary, covers home appliances only. These include dishwasher, food center, microwave, oven, refrigerator, trash compactor, washer and dryer, and garage door. The service call fee for both plans is $125.

In Total Home Protection, the cheapest plan is the Silver Combo Plan. It includes the plumbing and electrical system and the following appliances: dishwasher, garbage disposal, microwave, oven, trash compactor, and water heater. Additionally, this plan includes coverage for a swimming pool and a whirlpool bathtub. The service call fee, or deductible, in Total Home Protection is $60.

The cheapest home warranty plan that Choice Home Warranty offers is the Silver Combo Plan for $34 a month. It includes coverage for heating and electrical systems, some kitchen appliances such as oven, built-in microwave, dishwasher, garbage disposal, and fan. Also, this plan covers ductwork, water heater, and garage door. The deductible, or service call fee, is $60.

As we can see, the cheapest plans in different companies may cost the same, but the coverage may vary significantly.

The Cheapest Home Warranty Plans


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 Cheapest Home Warranty Plans 2019

Final Words About the Cheapest Home Warranty Plans

To answer the question “Which home warranty plan is the cheapest?,” we analyzed data for 24 cheap home warranty companies and specifically compared the coverage of the cheapest plans in three well-known companies, American Home Shield, Total Home Protection, and Choice Home Warranty.

We found that there is a big difference in the prices of the cheapest plans between companies. It can be attributed to the difference in coverage offered by each company. The best cheap home warranty plan that we had in our database covered only one home system, while the most expensive of the cheapest plans covered a wide range of home appliances and systems. While we compared the cheapest warranty plans in three companies that had similar price tags, we noticed that there was a significant difference between them. In American Home Shield, there were two equally priced plans, one for home systems, and the other for home appliances. Both Total Home Protection and Choice Home Warranty had the cheapest plans that combined coverage for home systems and home appliances, but the lists of items did not coincide.

The bottom line is that the cheapest home warranty plan does not mean the worst plan. As the cheapest plan coverage varies between companies, there is a chance to find the one that fits your house best without spending extra money on more expensive plans.