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Protect your budget when home systems and appliances break
We compared the home warranty companies the major review sites rate highest, then ranked them #1 to #10. Tick “Compare” on any two or three to see them side by side.
#1BEST OVERALL · OUR TOP PICK
Choice Home Warranty
Systems and appliances covered for under $70 a month
Two simple plans, with the Total plan covering AC, refrigerator and laundry
Up to $3,000 per covered item, plus 11 optional add-ons
Covers drywall damage from repairs, and no home inspection to sign up
Keep in mind: You have to use its contractors, and paying monthly adds a small fee.
A home warranty is a service contract that pays to repair or replace covered systems and appliances when they break from normal wear and tear. It isn’t homeowners insurance.
Look past the monthly price. You also pay a service fee every time a technician comes out, so a cheap plan with a high fee can cost more.
Check the coverage caps. Per-item and yearly limits decide how much a plan actually pays when something big, like an AC unit, fails.
Know who picks the technician. Most companies send their own contractors. A few, like AFC, let you choose.
How we ranked #1 to #10
#1 and #2 are our top picks for most homeowners, and their scores are our editors’ ratings.
#3 to #10 are ranked by their average score across six leading review sites, converted to a 10-point scale. A company had to be scored by at least two of those sites to qualify.
Review sites we used
This Old House
Forbes Advisor
Top10.com
Top Consumer Reviews
Retirement Living
ConsumerAffairs (customer rating)
We also checked the picks from Money, NerdWallet, Insurify and Crediful. Last checked October 2026.
We may receive compensation from, or be affiliated with, companies on this page, which can affect their placement.
FAQs
What does a home warranty cover?
Most plans cover major systems like heating, AC, plumbing and electrical, and appliances like the refrigerator, oven, washer and dryer, when they break from normal wear and tear. Add-ons can cover pools, wells, roof leaks and more.
How much does a home warranty cost?
The plans on this page mostly run from about $25 to $130 a month, plus a service fee of roughly $60 to $150 each time a technician comes out.
Is a home warranty the same as homeowners insurance?
No. Homeowners insurance pays for damage from events like fire or storms. A home warranty pays to repair or replace systems and appliances that wear out.
Is there a waiting period?
Usually. Coverage bought on its own typically starts about 30 days after you sign up. Plans bought as part of a home sale often start at closing.
Can I choose my own technician?
Most companies send a technician from their own network. A few, including AFC Home Warranty, let you use your own licensed technician with approval.
