We've ranked and compared the top home warranty companies so you can protect your home with confidence. Coverage, response time, and value — all compared.
Rankings updated monthly based on coverage audits, claim response times, and verified customer feedback.
With over 50 years in the industry, AHS is the gold standard for home warranties. Their ShieldSilver, ShieldGold, and ShieldPlatinum plans offer scalable protection for every budget, covering wear and tear other companies reject.
Choice Home Warranty delivers comprehensive coverage at a competitive price with no home inspection required. Their Basic and Total Plans cover major systems and appliances with a simple flat-rate service fee structure.
Select Home Warranty is ideal for budget-conscious homeowners seeking solid baseline coverage. Their three-tier plan structure — Bronze, Gold, and Platinum — covers all major appliances and home systems at market-low pricing.
AFC Home Club stands out with one of the fastest contractor dispatch times in the industry and uniquely allows homeowners to choose their own licensed technician — giving you control without sacrificing coverage.
First American Home Warranty has been protecting homeowners since 1984. Their First Class Upgrade covers code violations and permits — an often-overlooked benefit that saves thousands on unexpected repair costs.
Launched in 2017, Liberty Home Guard has quickly earned a reputation for transparency, fast claims, and an impressive BBB rating. Their three plans and 40+ optional add-ons make it one of the most customisable options available.
Key metrics compared across all six home warranty brands.
| Brand | Rating | Starting Price | Service Fee | Own Contractor | Response Time | Money-Back |
|---|---|---|---|---|---|---|
| American Home Shield | 5.0 ★ | $29.99/mo | $75–$125 | ✗ Network Only | 24–48 hrs | ✓ 30 Days |
| Choice Home Warranty | 4.5 ★ | $46.83/mo | $85 Flat | ✗ Network Only | 24–48 hrs | ✓ 30 Days |
| Select Home Warranty | 4.0 ★ | $44.42/mo | $75 Flat | ✗ Network Only | 48–72 hrs | ✓ 30 Days |
| AFC Home Club | 4.5 ★ | $34.99/mo | $75–$125 | ✓ Allowed | Same Day | ✓ 30 Days |
| First American | 4.0 ★ | $43.00/mo | $75–$125 | ✗ Network Only | 48–72 hrs | ✓ 30 Days |
| Liberty Home Guard | 4.5 ★ | $49.99/mo | $65–$125 | ✓ On Request | 24–48 hrs | ✓ 30 Days |
We read every plan's fine print, exclusion list, and coverage cap. We test how each brand handles wear-and-tear claims, pre-existing conditions, and borderline repair scenarios that others overlook.
Our team submits real service requests and tracks contractor dispatch timing, technician communication quality, and time-to-resolution across multiple property types and claim categories.
Monthly premiums tell half the story. We factor in service fees, coverage caps, and average claim payouts to calculate the real cost of ownership — and which plans genuinely save you money long-term.
The right home warranty depends on your home's age, what systems and appliances you own, and how much risk you're willing to absorb. Here's what our testing and research revealed about choosing wisely.
For older homes, American Home Shield is your best bet. Their willingness to cover pre-existing conditions and unknown wear-and-tear puts them in a class of their own for homes built before 2000.
For budget-conscious buyers, Select Home Warranty offers the lowest starting price with solid coverage depth — including free roof leak protection that competitors charge extra for.
If you want flexibility, AFC Home Club is the only major provider that lets you bring your own licensed technician, which is invaluable if you already have trusted local contractors.
Go with American Home Shield. Their pre-existing condition coverage and 50+ years of experience make them uniquely equipped for aging systems and appliances.
Select Home Warranty starts at the market's lowest price and includes free roof leak coverage — a standout perk that easily justifies the plan cost for most homeowners.
AFC Home Club lets you use your own contractor — something almost no competitor offers. Ideal if you have trusted local technicians or live in an area with limited network coverage.
Liberty Home Guard wins on customisation with 40+ add-ons — covering pools, spas, septic systems, and even roof leak protection — so you only pay for what you actually need.
"My HVAC went out in July — the worst possible time. Filed a claim with AHS and a technician was out the next morning. Fully covered, no argument. Absolutely worth every penny."
"I compared three providers using this guide and landed on AFC Home Club because I already have a plumber I trust. The fact that I could use my own contractor sealed it. Saved me hours of research."
"The comparison table helped me realise I was overpaying with my old provider. Switched to Choice Home Warranty — similar coverage at a lower monthly cost with a simpler flat service fee."
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