# DigitalTop10 — full content --- URL: https://digitaltop10.com/ # DigitalTop10 Top 10 rankings for auto warranties, home warranties and business funding. Compare prices, coverage and requirements side by side. Updated: October 2026 ## Top 10 lists - [Top 10 Best Auto Warranty Companies of 2026](https://digitaltop10.com/auto-warranty/) — #1: Empire Auto Protect (9.8/10) - [Top 10 Best Home Warranty Companies of 2026](https://digitaltop10.com/home-warranty/) — #1: Choice Home Warranty (9.8/10) - [Top 10 Best Business Funding Companies of 2026](https://digitaltop10.com/business-funding/) — #1: Deliver Funding (9.9/10) 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. --- URL: https://digitaltop10.com/auto-warranty/ # Top 10 Best Auto Warranty Companies of 2026 Protect yourself from surprise repair bills. Updated October 2026. We compared the extended car warranty companies the major review sites rate highest, then ranked them #1 to #10. | Rank | Company | Score | Price | Deductible | Max mileage | |---|---|---|---|---|---| | 1 | Empire Auto Protect | 9.8/10 | From $69/mo | $0–$200 | No stated limit | | 2 | Endurance | 9.4/10 | $79–$160/mo | $0–$200 | No cap | | 3 | Everything Breaks | 8.9/10 | ~$108/mo | $100 typical | 250,000 | | 4 | autopom! | 8.8/10 | $79–$126/mo | $0–$200 | ~150,000 | | 5 | Olive | 8.4/10 | $50–$150/mo | $100–$500 | 185,000 | | 6 | CarShield | 8.2/10 | $80–$170/mo | $0–$250 | 300,000 | | 7 | CARCHEX | 8.1/10 | $140–$220/mo | $0–$250 | 250,000 | | 8 | American Dream Auto Protect | 8.1/10 | $90–$150/mo | Varies | Varies | | 9 | Toco Warranty | 8.0/10 | $72–$97/mo | $100 | 250,000 | | 10 | Omega Auto Care | 7.9/10 | From ~$60/mo | $100 | 250,000 | ## #1 Empire Auto Protect — 9.8/10 (featured partner) **BEST OVERALL, OUR TOP PICK.** Plans from $69 a month, with no inspection to sign up. - Covers any make, model or age if the car is in good working order - Four plan levels, including a dedicated EV plan, plus a rim and tire add-on - 24-hour roadside help and a 30-day money-back guarantee Keep in mind: Customer reviews are mixed, especially on cancellations, so read the contract terms before you buy. - Price: From $69/mo - Deductible: $0–$200 - Max mileage: No stated limit - Waiting period: 30 days - Website: https://empireautoprotect.com/ - Full review: https://digitaltop10.com/auto-warranty/empire-auto-protect/ ## #2 Endurance — 9.4/10 **Best direct provider.** Handles its own contracts and claims, with no mileage cap. - Accepts cars up to 20 years old with no odometer limit - Six plan levels, including one that adds routine maintenance - First year of Elite Benefits: key fob, tire and windshield help, collision discount Keep in mind: Usually costs more than average, and coverage starts after 30 days and 1,000 miles. - Price: $79–$160/mo - Deductible: $0–$200 - Max mileage: No cap - Waiting period: 30 days / 1,000 mi - Website: https://www.endurancewarranty.com/ ## #3 Everything Breaks — 8.9/10 **Best for older vehicles.** Month-to-month coverage for cars up to 250,000 miles. - Administers its own plans - Elite plan versions built for luxury models - Annual plans can add oil changes, brakes and other maintenance Keep in mind: The monthly rate can change after 30 months, and customer reviews are mixed. - Price: ~$108/mo - Deductible: $100 typical - Max mileage: 250,000 - Waiting period: 30 days / 1,000 mi - Website: https://www.everythingbreaks.com/ ## #4 autopom! — 8.8/10 **Best value.** One of the lowest yearly costs, with standout customer reviews. - Three straightforward plans, from powertrain to exclusionary - Strong customer reviews, rated 4.7 on Trustpilot - Roadside help, rental car and trip interruption included Keep in mind: Cars are capped near 150,000 miles, and prices are not shown online. - Price: $79–$126/mo - Deductible: $0–$200 - Max mileage: ~150,000 - Waiting period: Varies by plan - Website: https://autopom.com/ ## #5 Olive — 8.4/10 **Best for buying online.** Get a price and buy online, with no waiting period. - Coverage starts the next day, with no inspection - Choose a $100, $250 or $500 deductible - Pays the repair shop directly, and plans transfer at no cost Keep in mind: Only cars up to 10 model years and 140,000 miles can enroll, and there is no roadside plan. - Price: $50–$150/mo - Deductible: $100–$500 - Max mileage: 185,000 - Waiting period: None - Website: https://olive.com/ ## #6 CarShield — 8.2/10 **Best for high mileage.** Accepts cars with up to 300,000 miles. - Month-to-month plans with no long contract - Plans for EVs, motorcycles and ATVs - Rental car and trip interruption benefits Keep in mind: No online quotes, not sold in California, and it settled with the FTC in 2024 over its advertising. - Price: $80–$170/mo - Deductible: $0–$250 - Max mileage: 300,000 - Waiting period: 30 days / 1,000 mi - Website: https://carshield.com/ ## #7 CARCHEX — 8.1/10 **Best plan variety.** Wide range of plans from a broker in business since 1999. - Plans from powertrain to exclusionary, plus an EV plan - Covers cars up to 250,000 miles, with terms up to 10 years - Rideshare coverage and a 30-day money-back guarantee Keep in mind: Prices run higher, and there are no online quotes. - Price: $140–$220/mo - Deductible: $0–$250 - Max mileage: 250,000 - Waiting period: 30 days / 1,000 mi - Website: https://www.carchex.com/ ## #8 American Dream Auto Protect — 8.1/10 **Best for discounts.** Frequent discounts on three customizable plans. - Silver, Gold and Platinum plans - Roadside help, towing and rental car on every plan - Transferable coverage, with claims often approved within 48 hours Keep in mind: No online quotes, and no sample contract before you pay. - Price: $90–$150/mo - Deductible: Varies - Max mileage: Varies - Waiting period: Varies - Website: https://americandreamautoprotect.com/ ## #9 Toco Warranty — 8.0/10 **Best month-to-month.** Low monthly price, cancel any time. - Four simple tiers set by your mileage, up to 250,000 miles - Flat $100 deductible per repair visit - Handles its own claims, with roadside, rental and trip interruption Keep in mind: Coverage starts after 90 days and 1,000 miles, and it is not sold in several states. - Price: $72–$97/mo - Deductible: $100 - Max mileage: 250,000 - Waiting period: 90 days / 1,000 mi - Website: https://tocowarranty.com/ ## #10 Omega Auto Care — 7.9/10 **Best maintenance benefits.** Adds up to $500 in maintenance benefits. - Five plans, from powertrain to exclusionary - Covers cars up to 250,000 miles - The $100 deductible is waived at some repair shops Keep in mind: Cars must be 15 years old or newer, and you need to call for a quote. - Price: From ~$60/mo - Deductible: $100 - Max mileage: 250,000 - Waiting period: None - Website: https://omegaautocare.com/ ## How we ranked #1 is our top pick for most drivers, and its score is our editors’ rating. #2 to #10 are ranked by their average score across six leading review sites, converted to a 10-point scale. A company had to appear on at least two of those sites to qualify. Review sites used: Car Talk, Consumer Review Center, Screened, NerdWallet, Automoblog, ConsumerAffairs (customer rating). ## FAQs ### What is an extended car warranty? Most are technically vehicle service contracts: an agreement to pay for covered repairs after the factory warranty ends. They are sold by carmakers, dealers and independent companies. ### How much does an extended car warranty cost? The plans on this page mostly run between about $50 and $220 a month, depending on your car, its mileage, the coverage level and the deductible you pick. ### What is the difference between a direct provider and a broker? A direct provider writes its own contracts and handles its own claims. A broker sells plans that another company administers, so that administrator decides and pays your claims. ### Is there a waiting period before I can file a claim? Usually. Thirty days and 1,000 miles is common, some month-to-month plans wait 90 days, and a few providers like Olive have none. ### Can I cancel my plan? Most providers offer a full refund within the first 30 days and a prorated refund after that, sometimes minus a fee. Read the cancellation section of the contract before you buy. 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. --- URL: https://digitaltop10.com/home-warranty/ # 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. --- URL: https://digitaltop10.com/business-funding/ # Top 10 Best Business Funding Companies of 2026 Fast working capital, merchant cash advances and business loans. Updated October 2026. We compared funding companies on amounts, speed and what it takes to qualify, then ranked them #1 to #10. | Rank | Company | Score | Amount | Speed | Time in business | Credit | |---|---|---|---|---|---|---| | 1 | Deliver Funding | 9.9/10 | $10K–$5M | 24–48 hrs | 6 months | All credit types | | 2 | Truly Funding | 9.8/10 | By quote | Quick approvals | By quote | By quote | | 3 | FC Advance | 9.7/10 | $5K–$1M | Next day | New or established | By quote | | 4 | Tier Funding | 9.7/10 | By quote | Next business day | 3 months | Good or bad | | 5 | Choice Capital Solutions | 9.6/10 | By quote | 24 hrs after approval | 6 months (2 yrs SBA) | Soft pull to start | | 6 | Forward Financing | 9.5/10 | $5K–$500K | Same day | 12 months | 500+ | | 7 | Credibly | 9.4/10 | $5K–$600K | Same day | 6 months | 500+ | | 8 | Lendio | 8.7/10 | Up to $5M | As fast as 24 hrs | 3–6 months | 500+ | | 9 | Fora Financial | 8.6/10 | $5K–$1.5M | 24–72 hrs | 6 months | 570+ | | 10 | Rapid Finance | 8.6/10 | Up to $500K | As fast as 24 hrs | Varies | 550–600+ | ## #1 Deliver Funding — 9.9/10 (featured partner) **BEST OVERALL, OUR TOP PICK.** Funding from $10,000 to $5 million, with decisions in as little as 24 hours. - Merchant cash advances, lines of credit, short-term loans and equipment financing - Pre-approval with no hard credit pull, and all credit types considered - Funds often arrive 24 to 48 hours after approval Keep in mind: You need at least 6 months in business and about $10,000 in monthly revenue. - Amount: $10K–$5M - Speed: 24–48 hrs - Time in business: 6 months - Revenue: $10K/mo - Credit: All credit types - Website: https://deliverfunding.com/ - Full review: https://digitaltop10.com/business-funding/deliver-funding/ ## #2 Truly Funding — 9.8/10 (featured partner) **TOP PICK.** Six ways to fund your business, backed by in-house investors. - Lines of credit, merchant cash advances and term loans - Invoice factoring and equipment financing - Asset-based hard money loans for larger needs Keep in mind: Amounts, rates and requirements are quoted after you apply. - Amount: By quote - Speed: Quick approvals - Time in business: By quote - Revenue: By quote - Credit: By quote - Website: https://trulyfunding.com/ ## #3 FC Advance — 9.7/10 (featured partner) **TOP PICK.** From $5,000 to $1 million, with approvals within hours. - Merchant cash advances, term loans and lines of credit - Funds as soon as the next day, in all 50 states - No personal collateral and minimal paperwork Keep in mind: Pricing and minimum requirements are shared after you apply. - Amount: $5K–$1M - Speed: Next day - Time in business: New or established - Revenue: By quote - Credit: By quote - Website: https://fcadvance.com/ ## #4 Tier Funding — 9.7/10 (featured partner) **TOP PICK.** Funding as soon as the next business day, with good or bad credit. - Unsecured lines of credit, working capital and equipment financing - A consolidation program for businesses with existing advances - No application fees, and rated 4.2 on Trustpilot Keep in mind: Only 3 months in business needed, but you need $20,000 in monthly deposits. - Amount: By quote - Speed: Next business day - Time in business: 3 months - Revenue: $20K/mo - Credit: Good or bad - Website: https://tierfunding.com/ ## #5 Choice Capital Solutions — 9.6/10 (featured partner) **TOP PICK.** Term, SBA, bridge and real estate loans in one place. - Funding as fast as 24 hours after approval - Soft credit pull to start, with no minimum score stated - Apply with an ID and three months of bank statements Keep in mind: SBA and real estate loans need 2+ years in business and more paperwork. - Amount: By quote - Speed: 24 hrs after approval - Time in business: 6 months (2 yrs SBA) - Revenue: Case by case - Credit: Soft pull to start - Website: https://choicecapitalsolutions.com/ ## #6 Forward Financing — 9.5/10 **Best for same-day funding.** Same-day approval and funding for qualified businesses. - Advances from $5,000 to $500,000 - Simple application and no prepayment penalty - Accepts credit scores as low as 500 Keep in mind: You need a full year in business, there is an origination fee, and payments are daily or weekly. - Amount: $5K–$500K - Speed: Same day - Time in business: 12 months - Revenue: $10K/mo - Credit: 500+ - Website: https://www.forwardfinancing.com/ ## #7 Credibly — 9.4/10 **Best for fast approval.** Approval in about four hours, with funding up to $600,000. - Low 500 credit score minimum - Factor rates starting around 1.09 to 1.11 - Discount if you pay off early Keep in mind: There is a 2.5% underwriting fee and a $50 monthly admin fee, and you need $15,000 in monthly revenue. - Amount: $5K–$600K - Speed: Same day - Time in business: 6 months - Revenue: $15K/mo - Credit: 500+ - Website: https://www.credibly.com/ ## #8 Lendio — 8.7/10 **Best for comparing offers.** One application, offers from 75+ lenders. - Cash advances, term loans, lines of credit and SBA loans - Open to businesses with 3 to 6 months of history - Funding as fast as 24 hours once you accept an offer Keep in mind: Lendio is a marketplace, so rates and terms depend on the lender you choose. - Amount: Up to $5M - Speed: As fast as 24 hrs - Time in business: 3–6 months - Revenue: $8K–$10K/mo - Credit: 500+ - Website: https://www.lendio.com/ ## #9 Fora Financial — 8.6/10 **Best for larger advances.** Advances up to $1.5 million with a prepayment discount. - Factor rates starting around 1.10 - More funding available after you repay 60% - Considers credit scores from 570 Keep in mind: There is a one-time processing fee, and you need about $20,000 in monthly revenue. - Amount: $5K–$1.5M - Speed: 24–72 hrs - Time in business: 6 months - Revenue: $20K/mo - Credit: 570+ - Website: https://www.forafinancial.com/ ## #10 Rapid Finance — 8.6/10 **Best for low fees.** No origination or prepayment fees on advances up to $500,000. - Funding as fast as 24 hours - A full menu of products beyond cash advances - Apply with three months of bank statements Keep in mind: Factor rates are not published, and payments are usually daily or weekly. - Amount: Up to $500K - Speed: As fast as 24 hrs - Time in business: Varies - Revenue: Varies - Credit: 550–600+ - Website: https://www.rapidfinance.com/ ## How we ranked #1 to #5 are our top picks for small businesses that need fast working capital, and their scores are our editors’ ratings. #6 to #10 are scored on how the leading review sites rank them. A #1 spot on a site’s list earns 10 points and last place earns 7. We average those, and give extra weight to companies that appear on more sites. A company had to appear on at least two sites to qualify. Review sites used: NerdWallet, CNBC Select, Finder, Fit Small Business, LendingTree, The Modern Wallet, United Capital Source. ## FAQs ### What is a merchant cash advance? A merchant cash advance gives you a lump sum now in exchange for a share of your future sales. It is not a loan. You repay it through daily or weekly payments until the agreed amount is paid back. ### What is a factor rate? A factor rate sets the total you repay on an advance. Most fall between about 1.10 and 1.50, so a $50,000 advance at 1.30 costs $65,000 in total, plus any fees. ### How fast can I get funded? Many funders on this page approve applications within hours and send funds the same day or within one to three business days. ### Can I qualify with bad credit? Often, yes. Cash advance providers focus more on your revenue and bank deposits than your credit score, and several on this page accept scores around 500 or have no minimum. ### What do I need to apply? Usually a short application, a government ID and your last three to six months of business bank statements. Larger amounts or SBA loans need more paperwork. 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. --- URL: https://digitaltop10.com/auto-warranty/empire-auto-protect/ # Empire Auto Protect Review 2026 Ranked #1 (9.8/10, our editors' rating) in https://digitaltop10.com/auto-warranty/. Updated October 2026. ## Our take Empire Auto Protect has sold vehicle service contracts since the mid-2000s. Its pitch is simple: almost any car can qualify, there’s no inspection to sign up, and plans start at $69 a month. That makes it an easy option for drivers whose cars are too old or too high-mileage for stricter providers. Plans are accepted at dealerships and licensed repair shops, and every plan includes 24-hour roadside help and a 30-day money-back guarantee. ## At a glance - Starting price: $69/mo - Deductible: $0–$200 - Eligible cars: Any age, good condition - Waiting period: 30 days - Money-back period: 30 days - Transferable: Yes ## Pros - Accepts any make, model or age in good working order - No inspection, and free online quotes - Dedicated EV plan and a rim and tire add-on - Transferable plans and 24-hour roadside help ## Cons - Customer reviews are mixed, especially on cancellations - State availability isn’t published ## Plans | Plan | What it covers | Price | |---|---|---| | Silver | Engine, transmission, drive axle, cooling, brakes, electrical, A/C, fuel system and more, plus roadside help, towing and rental car | From $69/mo | | Supreme | The same listed systems as Silver; limits and terms vary by plan | Get quote | | Platinum | The same listed systems as Silver; limits and terms vary by plan | Get quote | | EV Platinum | Plan built for electric vehicles | Get quote | | Rim and tire add-on | Wheel and tire protection | From $49/mo | ## How a claim works 1. Take your car to a dealership or licensed repair shop. 2. The shop diagnoses the problem and contacts the plan administrator. 3. The covered repair is reviewed and approved. 4. You pay your deductible and the covered cost is paid under your contract. ## Bottom line If your car is older or has high mileage and other companies won’t cover it, Empire is worth a quote: there’s no inspection and prices start at $69 a month. Before you buy, read the cancellation terms. ## Company facts - Type: Vehicle service contract seller - Repair shops: Dealerships and licensed shops - California: Sold as a motor club membership - Phone: 1-888-345-0084 - Website: https://empireautoprotect.com/ 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. --- URL: https://digitaltop10.com/home-warranty/choice-home-warranty/ # Choice Home Warranty Review 2026 Ranked #1 (9.8/10, our editors' rating) in https://digitaltop10.com/home-warranty/. Updated October 2026. ## Our take Choice Home Warranty keeps things simple: two plans, one service fee, and coverage for both home systems and appliances for under $70 a month. Its Total plan covers the big-ticket items most people worry about, including the AC, refrigerator, washer and dryer. You can’t pick your own technician, so you’ll rely on Choice’s contractor network. If you want a straightforward plan at a fair price, it’s a strong place to start. ## At a glance - Monthly price: $49–$68 - Service fee: $100 - Coverage cap: $3,000 per item - Repair guarantee: 60 days labor, 90 days parts - Add-ons: 11 options - Home inspection: Not required ## Pros - Systems and appliances in one plan for under $70 a month - Up to $3,000 per covered item - Covers drywall damage caused by repairs - No home inspection, 24/7 claims and a 30-day refund window ## Cons - The Basic plan leaves out AC, refrigerator and laundry - You must use Choice’s contractors - Paying monthly adds a $2.50 fee ## Plans | Plan | What it covers | Typical price | |---|---|---| | Basic | Core systems like heating, plumbing and electrical, plus kitchen appliances. No AC, refrigerator or laundry. | About $49–$60/mo | | Total | Everything in Basic, plus AC, refrigerator, washer and dryer | About $58–$68/mo | | Add-ons | 11 optional extras for items the base plans leave out | About $3–$15/mo each | ## How a claim works 1. File a claim online or by phone, any time of day. 2. Choice sends a technician from its contractor network. 3. You pay the $100 service fee when the technician arrives. 4. Covered items are repaired or replaced, and Choice may offer cash instead if a replacement isn’t possible. ## Bottom line For most homeowners who want systems and appliances covered without a complicated menu of plans, Choice Home Warranty’s Total plan is our top pick. If you want to choose your own technician, compare #3 AFC first. ## Company facts - Plans: Basic and Total - Technicians: Choice’s contractor network - Claims: Online or by phone, 24/7 - Refund window: 30 days - Website: https://www.choicehomewarranty.com/ 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. --- URL: https://digitaltop10.com/business-funding/deliver-funding/ # Deliver Funding Review 2026 Ranked #1 (9.9/10, our editors' rating) in https://digitaltop10.com/business-funding/. Updated October 2026. ## Our take Deliver Funding covers the full range of fast business capital, from a $10,000 cash advance to $5 million in equipment financing. Pre-approval doesn’t touch your credit, every credit type is considered, and decisions can come back in as little as 24 hours. It’s built for small businesses with steady deposits that need money quickly and don’t want a bank’s paperwork or wait. ## At a glance - Funding amount: $10K–$5M - Decision: As fast as 24 hrs - Funding: 24–48 hrs after approval - Time in business: 6 months - Monthly revenue: About $10K - Credit: All types, soft pull ## Pros - Four funding types, from $10,000 up to $5 million - No hard credit pull to get pre-approved - All credit types considered - Decisions in as little as 24 hours ## Cons - Rates and fees are quoted after you apply - Most programs need 6 months in business - Phone support on weekdays only ## Funding options | Product | Amount | How it works | |---|---|---| | Merchant cash advance | $10K–$5M | An advance against future sales, repaid from your revenue | | Line of credit | $10K–$250K | Draw what you need and pay only for what you use | | Short-term loan | $10K–$500K | A lump sum repaid over 3 to 18 months | | Equipment financing | $10K–$5M | Financing secured by the equipment you buy | ## How it works 1. Apply online in a few minutes. Pre-approval uses no hard credit pull. 2. Share your recent business bank statements. 3. Review your offer, often within 24 hours. 4. Accept and get funded, typically 24 to 48 hours after approval. ## Bottom line If your business has at least 6 months of steady deposits and you need capital fast, Deliver Funding is our top pick. It covers small advances and large equipment deals alike, and checking your options won’t affect your credit. ## Company facts - Based in: New York, NY - Serves: Businesses across the U.S. - Needs: Active business bank account - Hours: Mon–Fri, 9am–6pm ET - Phone: (888) 974-0522 - Website: https://deliverfunding.com/ 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. --- URL: https://digitaltop10.com/how-we-rank/ # How we rank Every DigitalTop10 list ranks ten companies, #1 to #10. Each list starts with our top picks, scored by our editors. The rest are ranked by the scores and positions the leading independent review sites give them, so the order reflects what those sites agree on. ## Auto Warranty #1 is our top pick for most drivers, and its score is our editors’ rating. #2 to #10 are ranked by their average score across six leading review sites, converted to a 10-point scale. A company had to appear on at least two of those sites to qualify. Review sites used: Car Talk, Consumer Review Center, Screened, NerdWallet, Automoblog, ConsumerAffairs (customer rating). ## Home Warranty #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). ## Business Funding #1 to #5 are our top picks for small businesses that need fast working capital, and their scores are our editors’ ratings. #6 to #10 are scored on how the leading review sites rank them. A #1 spot on a site’s list earns 10 points and last place earns 7. We average those, and give extra weight to companies that appear on more sites. A company had to appear on at least two sites to qualify. Review sites used: NerdWallet, CNBC Select, Finder, Fit Small Business, LendingTree, The Modern Wallet, United Capital Source. ## Advertising disclosure DigitalTop10 is free to use. We may receive compensation from, or be affiliated with, the companies we list, including when you click a link or request a quote. That can affect how and where companies appear, including which companies are featured as top picks.