# Top 10 Best Home Warranty Companies of 2026 Protect your budget when home systems and appliances break. Updated October 2026. We compared the home warranty companies the major review sites rate highest, then ranked them #1 to #10. | Rank | Company | Score | Price | Service fee | Coverage cap | Repair guarantee | |---|---|---|---|---|---|---| | 1 | Choice Home Warranty | 9.8/10 | $49–$68/mo | $100 | $3,000 per item | 60 days labor / 90 days parts | | 2 | American Home Shield | 9.6/10 | $30–$90/mo | $100–$125 | $50,000 total | 30 days | | 3 | AFC Home Warranty | 9.2/10 | $40–$112/mo | $75–$125 | $10,000 total | Lifetime | | 4 | Cinch Home Services | 9.1/10 | $25–$90/mo | $100–$150 | $10,000 total | 180 days | | 5 | Home Warranty of America | 8.8/10 | $46–$60/mo | $75–$100 | $15,000 per year | 30 days | | 6 | First Premier Home Warranty | 8.8/10 | $40–$48/mo | $60–$75 | $15,000 total | 30 days | | 7 | Liberty Home Guard | 8.6/10 | $46–$70/mo | $65–$125 | $2,000 per item | Up to 365 days | | 8 | ARW Home | 8.5/10 | $30–$85/mo | $125 | ~$5,000 per year | 30 days | | 9 | First American Home Warranty | 8.3/10 | $42–$130/mo | $75–$125 | Most systems uncapped | 30 days | | 10 | 2-10 Home Buyers Warranty | 7.0/10 | $30–$60/mo | $75–$125 | $50,000 per year | 30 days | ## #1 Choice Home Warranty — 9.8/10 (featured partner) **BEST OVERALL, OUR TOP PICK.** 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. - Price: $49–$68/mo - Service fee: $100 - Coverage cap: $3,000 per item - Repair guarantee: 60 days labor / 90 days parts - Website: https://www.choicehomewarranty.com/ - Full review: https://digitaltop10.com/home-warranty/choice-home-warranty/ ## #2 American Home Shield — 9.6/10 (featured partner) **RUNNER-UP PICK.** The largest home warranty company, with the highest limits. - Up to $50,000 in total coverage per term - Covers unknown pre-existing conditions, rust and corrosion - Video chat with a repair expert on Gold and Platinum plans Keep in mind: The top plan costs more than most rivals, and it is not sold in Alaska, Hawaii or New York City. - Price: $30–$90/mo - Service fee: $100–$125 - Coverage cap: $50,000 total - Repair guarantee: 30 days - Website: https://www.ahs.com/ ## #3 AFC Home Warranty — 9.2/10 **Best for choosing your own technician.** Pick your own licensed technician, with a lifetime repair guarantee. - Four plans, from Silver to Diamond - Choose a $75, $100 or $125 service fee - Lifetime workmanship guarantee on covered repairs Keep in mind: Plumbing and electrical are capped at $500, and it is not sold in California, Washington or Hawaii. - Price: $40–$112/mo - Service fee: $75–$125 - Coverage cap: $10,000 total - Repair guarantee: Lifetime - Website: https://www.afchomeclub.com/ ## #4 Cinch Home Services — 9.1/10 **Best value.** Low starting prices and a 180-day repair guarantee. - Plans start around $25 a month - Covers unknown pre-existing conditions - Top plan reimburses up to $500 of your homeowners insurance deductible Keep in mind: Service fees run $100 to $150, appliance limits are low, and it is not sold in Alaska or Hawaii. - Price: $25–$90/mo - Service fee: $100–$150 - Coverage cap: $10,000 total - Repair guarantee: 180 days - Website: https://www.cinchhomeservices.com/ ## #5 Home Warranty of America — 8.8/10 **Best for eco-friendly replacements.** High limits and Energy Star replacement options. - Up to $5,000 for AC and heating repairs - GreenPlus option upgrades replacements to Energy Star models - 30-day money-back guarantee, with over 25 years in business Keep in mind: You cannot choose your technician, and getting a quote takes a longer application. - Price: $46–$60/mo - Service fee: $75–$100 - Coverage cap: $15,000 per year - Repair guarantee: 30 days - Website: https://www.hwahomewarranty.com/ ## #6 First Premier Home Warranty — 8.8/10 **Best low service fee.** Simple plans with one of the lowest service fees. - Two plans, Premier and Platinum, from about $40 a month - Service fees of $60 to $75 - Military and senior discounts Keep in mind: The Premier plan leaves out AC, heating, refrigerator and laundry, and you can file only one claim at a time. - Price: $40–$48/mo - Service fee: $60–$75 - Coverage cap: $15,000 total - Repair guarantee: 30 days - Website: https://firstpremierhomewarranty.com/ ## #7 Liberty Home Guard — 8.6/10 **Best for add-ons.** More than 40 add-ons and a long repair guarantee. - Available in all 50 states - Technicians usually dispatched within 24 to 48 hours - Up to 365-day workmanship guarantee on many repairs Keep in mind: Plumbing and electrical claims are capped at $500, and coverage starts after 30 days. - Price: $46–$70/mo - Service fee: $65–$125 - Coverage cap: $2,000 per item - Repair guarantee: Up to 365 days - Website: https://www.libertyhomeguard.com/ ## #8 ARW Home — 8.5/10 **Best for older homes.** Covers systems and appliances regardless of age. - Month-to-month or annual plans - No limit on the number of claims - Covers condos and multi-family homes nationwide Keep in mind: Coverage limits are on the low side, and every visit costs a flat $125. - Price: $30–$85/mo - Service fee: $125 - Coverage cap: ~$5,000 per year - Repair guarantee: 30 days - Website: https://arwhome.com/ ## #9 First American Home Warranty — 8.3/10 **Best for high-end appliances.** No caps on most systems, and up to $7,000 per appliance. - Starter, Essential and Premium plans - No age limits on covered appliances - Higher plans cover code violations and improper installation Keep in mind: It is sold in about 35 states, and you must use its contractors. - Price: $42–$130/mo - Service fee: $75–$125 - Coverage cap: Most systems uncapped - Repair guarantee: 30 days - Website: https://homewarranty.firstam.com/ ## #10 2-10 Home Buyers Warranty — 7.0/10 **Best for appliance discounts.** High HVAC limits and discounts on new appliances. - Up to $5,000 per HVAC repair and $50,000 per year - Up to 65% off Whirlpool and GE appliances - Over 40 years in business Keep in mind: Customer reviews are weak, there is no appliance-only plan, and it is not sold in Alaska or Hawaii. - Price: $30–$60/mo - Service fee: $75–$125 - Coverage cap: $50,000 per year - Repair guarantee: 30 days - Website: https://www.2-10.com/ ## How we ranked #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 used: This Old House, Forbes Advisor, Top10.com, Top Consumer Reviews, Retirement Living, ConsumerAffairs (customer rating). ## 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. Advertising disclosure: DigitalTop10 is a free comparison site. We may receive compensation from, or be affiliated with, the companies we list, which can affect how and where they appear.