Home insurance doesn’t always cover everything in your home, so having home warranty service can help you repair and replace appliances and utilities without dipping into your savings account. We looked at the best home warranty services to find the top providers, comparing everything from price to what is covered to customer service. Here are the full reviews of each service:

Best Home Warranty Overall: HomeServe USA


  • Price: Where many home warranty companies offer packages that cover tons of issues, HomeServe USA lets you buy coverage on specific systems. That means you don’t pay for coverage on appliances that are already under warranty or systems that have an existing service guarantee. Instead, you can buy coverage that is specific to the systems you are most concerned about.
  • Plans: HomeServe USA offers plans that cover everything from external water lines to appliances. Buy coverage for as many things as you need, especially when they are near the end of their average lifespan.
  • Features: What makes HomeServe USA the best home warranty service overall is the combination of no deductible, local service technicians, guaranteed repairs and a service hotline that is always available.
  • Customer service: When you need an emergency repair, the last thing you want to deal with is leaving a message and waiting for a callback. With HomeServe USA home warranty insurance, that’s never an issue; its repair service hotline is open 24/7.
Cost Guarantee What’s Covered STL Rating
Varies. As low as $4 a month 1-year guarantee Water Service Line Coverage, Exterior Line Coverage, Heating or Cooling System Coverage, Water Heater Repair or Replacement, Interior Electrical Line Coverage best credit repair

How Does HomeServe USA Work?

Like most home warranty plans, HomeServe USA provides repair services for covered home systems. Essentially, you buy coverage for the systems you want, and if something happens, you can arrange the repair through one of the network of providers available with HomeServe USA. Most repairs are completed quickly and on time.

What Makes HomeServe USA Stand Out?

What makes HomeServe USA one of the best home warranty companies is the option to cover everything or just a single system. After all, why would you want to pay for whole home coverage when you have an existing warranty on your roof, electrical lines or a recent plumbing repair? With HomeServe USA, you only pay for coverage on the systems that need it.

Common HomeServe USA Reviews

HomeServe USA home warranty plans routinely get four stars or better from its customers. Quick and reliable service combined with no deductible makes using HomeServe USA a low-stress proposition for homeowners.

Is HomeServe USA for Me?

If you own a home that doesn’t have a warranty, a sudden breakdown can come with a hefty price tag. For example, your heating and air conditioning unit repairs could cost thousands of dollars. If your systems aren’t brand-new and not still covered under a manufacturer’s warranty, you can save serious money on home repairs with home warranty insurance.

Best Home Warranty for Regular Maintenance: TotalProtect


  • Price: TotalProtect offers some unique options for covering your home systems and appliances. You enjoy comprehensive protection for appliances or systems, or you can opt for a combo plan that covers both, all with a reasonable deductible that ranges from $75 to $125.
  • Plans: Coverage for all major home systems and appliances is available with any of the industry’s best home warranty service options. Like other home warranty companies, TotalProtect offers coverage for your appliances, your home systems or both.
  • Features: A low deductible, a service network made up of more than 40,000 technicians and a service guarantee make TotalProtect one of the best home warranty options.
  • Customer service: Not only does TotalProtect offer a 24/7 repair hotline, its regular customer service is readily available via phone or email. You can also log into your customer dashboard to track activity on open claims.
Cost Guarantee What’s Covered STL Rating
$22.95 to $65.95 180-day guarantee Appliance overage; System coverage, including plumbing, electrical, heating and cooling and so on; Combo plans that include both appliances and systems best credit repair

How Does TotalProtect Work?

Once you buy home warranty insurance through TotalProtect, you have a long list of covered systems or appliances. When one of them breaks, simply call the repair hotline anytime and start a claim. Your TotalProtect representative will create a repair order and send out a technician to assess the issue and begin the repairs. All you have to pay is the deductible. There are no hidden fees or added costs.

What Makes TotalProtect Stand Out?

Home warranty cost is one of the biggest issues that prevent people from choosing to pay for coverage. By offering plans with different deductible levels, TotalProtect provides affordable options that still give you protection on your most expensive home repair systems.

Common TotalProtect Reviews

Most reviews about TotalProtect are positive; however, some people do experience denied claims or long wait times for repairs. When a claim is denied, it is usually due to a poor maintenance schedule or a repair that is simply not covered by your policy. When doing home warranty comparisons, it is important to understand exactly what coverage is available with each plan. Also, remember to always use a contracted service provider to avoid fees that exceed the coverage amount.

Is TotalProtect for Me?

If you own an older home or have appliances or systems that are nearing the end of their useful lifespan, home warranty insurance might be a good choice. After all, replacing an A/C unit costs thousands when you don’t have a warranty. With a warranty, you only pay your monthly fee and deductible for the service.

Best for High-Quality Contractors: American Home Shield


  • Price: Transparent pricing is one of the things many consumers look for when shopping for a service provider. When doing home warranty comparisons with American Home Shield, be prepared to enter your contact information in order to see pricing.
  • Plans: Like many other home warranty companies, American Home Shield offers coverage for appliances, systems or a combination. What makes it unique is the ability to build your own custom coverage solution.
  • Features: With 24-hour service guarantees and 24/7 repair reporting, you can get emergency repair services on your schedule.
  • Customer service: In addition to an always-on repair hotline and general customer service line, you can also use online chat if you have any questions.
Cost Guarantee What’s Covered STL Rating
$40.99 for appliance or system coverage or $50.99 for a combo plan N/A Appliances, Systems, Combo plan best credit repair

How Does American Home Shield Work?

When you need home repairs, you need them now. If you have an issue, you can call to report the need for a repair any day of the year. The repair hotline is available 24/7/365. Once you put in the request, expect to see a technician within a day. The repair technician will either perform the repair or let you know when the repair will be completed. All you’ll pay is the service fee, which can be $75, $100 or $125.

What Makes American Home Shield Stand Out?

The speed of response to any reported repairs is what really makes American Home Shield one of the best home warranty services on the market. When making home warranty comparisons, remember that a slow response time can cause continuing damage to your home.

Common American Home Shield Reviews

American Home Shield consistently scores better than three stars on review sites. Its emphasis on customer service and highly skilled technicians makes it the best home warranty option for those who want high-quality contractors.

Is American Home Shield for Me?

When you own a property, home repairs can dramatically impact your financial situation. A major system failure may not be covered by insurance, but could still leave you holding the bill for a big repair. Home warranty plans take care of the cost of these major repairs, letting you avoid an emergency expense. If you own a home, you might want to start making some home warranty comparisons.

Best Home Warranty for the Budget Conscious: Choice Home Warranty


  • Price: The best home warranty service offers exceptional coverage at an affordable price, and that’s exactly what you get with Choice Home Warranty. You can pay for an entire year in one lump sum or make monthly payments for your coverage.
  • Plans: With both basic and full-coverage options, you can build a home warranty insurance plan that fits your needs.
  • Features: When you have a full-coverage plan, Choice Home Warranty covers everything from major systems to your garage door opener.
  • Customer service: Even the best home warranty service companies have negative reviews about customer service, but this is an area where Choice Home Warranty really shines. This company is available 24/7/365 for service calls and responds to quote requests almost as soon as you’ve filled out the form.
Cost Guarantee What’s Covered STL Rating
$450 per year for full coverage and $378 for basic coverage N/A Full coverage; Basic coverage; Add-on coverage for systems like pools, spas, roof leaks and so on best credit repair

How Does Choice Home Warranty Work?

Although Choice Home Warranty often works with real estate companies to provide warranties on newly remodeled or built properties, it also offers consumer policies. When you have a covered system or appliance that breaks, simply call the repair hotline and report the problem. Choice Home Warranty will offer you a list of local service providers to handle the repair.

What Makes Choice Home Warranty Stand Out?

The quality of contractors is what makes Choice Home Warranty really stand out. It doesn’t have the largest network, with only 11,000 service providers, but the list is full of high-quality technicians who rarely disappoint on the job.

Common Choice Home Warranty Reviews

Because of its exceptional list of service providers, Choice Home Warranty often scores better than four stars on review sites. Customers love the responsive service and quick turnaround time on claims.

Is Choice Home Warranty for Me?

If you own a property with aging systems that have been well-maintained, Choice Home Warranty might be the best home warranty service for you. You don’t want to have to pay replacement costs out of pocket, and with a home warranty cost that is affordable, you won’t have to.