🏡 Best Home Warranty Companies – Avoid Expensive Repairs in 2025
Protect Your Appliances, Systems & Budget With These Trusted Picks
When your air conditioner stops working in the middle of summer or your refrigerator dies without warning, you’re left scrambling for costly repairs. That’s where a home warranty can be a lifesaver. In 2025, more homeowners are opting for top-rated home warranty companies to avoid expensive out-of-pocket costs.
Whether you’re a new homeowner or just want peace of mind, this guide covers the best home warranty companies in 2025 — along with coverage options, pricing, and key features.
✅ What is a Home Warranty?
A home warranty is a service contract that covers the repair or replacement of major appliances and systems in your home. Unlike homeowners insurance, which covers damages from disasters (like fire or flood), home warranties cover breakdowns due to normal wear and tear.
🧾 What’s Covered in a Home Warranty?
Coverage varies by provider, but typically includes:
- ✅ HVAC systems (heating & air conditioning)
- ✅ Electrical systems
- ✅ Plumbing systems
- ✅ Kitchen appliances (refrigerators, ovens, dishwashers)
- ✅ Washer & dryer
- ✅ Water heaters
- ✅ Garage door openers
- ✅ Ceiling fans and more
💰 Why You Need a Home Warranty in 2025
With inflation driving up the cost of labor and parts, a single repair can cost hundreds to thousands of dollars. A home warranty helps you:
- Avoid surprise repair bills
- Get fast, trusted service technicians
- Protect aging systems and appliances
- Increase home resale value
- Enjoy peace of mind
⭐ Best Home Warranty Companies of 2025 (Ranked)
Let’s break down the top 7 home warranty companies in 2025 based on coverage, pricing, customer service, and claim approval rate.
1. American Home Shield (AHS)
Best Overall Home Warranty Company
Why Choose AHS:
- 50+ years of industry experience
- Covers items regardless of age or wear
- Flexible plan customization
- Covers unknown pre-existing conditions
Plans Start At: $39.99/month
Service Fee: $75–$125
Website: www.ahs.com
2. Choice Home Warranty
Best for Affordable Plans
Highlights:
- Free first month promo
- Covers both systems & appliances in basic plan
- 24/7 claims center
Plans Start At: $36/month
Service Fee: $85
Website: www.choicehomewarranty.com
3. Liberty Home Guard
Best for Customization & Fast Service
What Stands Out:
- A+ BBB rating
- 60+ add-on options (pools, pest control, etc.)
- Great for landlords or Airbnb owners
Plans Start At: $39.99/month
Service Fee: $65–$125
Website: www.libertyhomeguard.com
4. Select Home Warranty
Best for Free Roof Coverage
Benefits:
- Includes roof leak coverage in all plans
- Multiple discounts for yearly payments
- Nationwide coverage
Plans Start At: $41/month
Service Fee: $60–$75
Website: www.selecthomewarranty.com
5. Cinch Home Services
Best for Digital Tools and Mobile App
Why Cinch:
- Fast claim approval
- 180-day workmanship guarantee
- Optional $500 reimbursement for homeowners insurance deductible
Plans Start At: $35.99/month
Service Fee: $100–$150
Website: www.cinchhomeservices.com
6. First American Home Warranty
Best for Real Estate Deals
Great For:
- Buyers and sellers of homes
- No age limit on covered items
- Strong reputation since 1984
Plans Start At: $38/month
Service Fee: $85
Website: www.firstam.com
7. ServicePlus Home Warranty
Best Customer Support
Advantages:
- 30-day money-back guarantee
- Bonus discounts on home services
- Good appliance coverage
Plans Start At: $40/month
Service Fee: $75
Website: www.serviceplus.com
🧠 How to Choose the Best Home Warranty in 2025
Before you commit, consider these factors:
🔍 1. What systems & appliances are covered?
Don’t assume — read the contract carefully.
🔍 2. Service call fees
This is the cost you’ll pay per technician visit — lower is better.
🔍 3. Claim process
Is the claim process easy and fast? Do they offer 24/7 support?
🔍 4. Payout caps & limits
Some providers limit how much they’ll pay per item/year.
🔍 5. Customer reviews
Check real reviews on Trustpilot, BBB, and Reddit forums.
📈 Average Cost of Home Warranties in 2025
| Plan Type | Monthly Cost | Service Fee |
|---|---|---|
| Basic Plan | $35–$45 | $60–$100 |
| Premium Plan | $50–$70 | $75–$150 |
| Add-ons (optional) | $5–$25 | N/A |
⚠️ Common Home Warranty Pitfalls to Avoid
- ❌ Not reading the fine print
- ❌ Delaying maintenance – many plans exclude poorly maintained items
- ❌ Ignoring service fee costs
- ❌ Expecting full replacements every time
A home warranty isn’t a fix-all, but it can save you thousands if used smartly.
💡 Real-Life Example
Scenario:
Your 10-year-old HVAC breaks down in July.
Without a home warranty: You pay $4,500 for repairs.
With a warranty: You pay $75–$125 service fee and your provider covers the rest.
Savings: Over $4,000!
🎯 Who Should Get a Home Warranty?
- 🏠 First-time homebuyers
- 🧓 Seniors who can’t handle surprise costs
- 🧑💼 Busy professionals
- 🛠️ Owners of older homes or appliances
- 🏡 Real estate investors & landlords
📦 Final Thoughts: Is a Home Warranty Worth It in 2025?
Yes – but only if you choose the right provider.
A well-reviewed home warranty company in 2025 can shield you from rising repair costs, give peace of mind, and offer real value — especially if your appliances are out of warranty.
📝 Summary: Best Home Warranty Companies 2025
| Company | Best For | Starting Cost | Service Fee |
|---|---|---|---|
| American Home Shield | Overall | $39.99/mo | $75–$125 |
| Choice Home Warranty | Budget | $36/mo | $85 |
| Liberty Home Guard | Customization | $39.99/mo | $65–$125 |
| Select Home Warranty | Free Roof Coverage | $41/mo | $60–$75 |
| Cinch Home Services | Mobile App & Tools | $35.99/mo | $100–$150 |
| First American | Real Estate | $38/mo | $85 |
| ServicePlus | Support | $40/mo | $75 |
🔗 Ready to Buy a Home Warranty?
👉 Compare plans directly from providers
👉 Read recent reviews and payout reports
👉 Choose what fits your needs and budget