How to Compare Home Warranty Companies Before Buying

By | May 25, 2025

Choosing the right home warranty company can save you from unexpected expenses and provide peace of mind. However, not all companies offer the same coverage or service quality. Here’s how to compare home warranty companies effectively.

Coverage and Plans

First, examine what each company covers. Most home warranty providers offer plans that cover major systems like HVAC, plumbing, and electrical, plus kitchen appliances. Some companies allow you to customize coverage with add-ons like pool equipment, septic systems, or roof leaks. Compare plans side-by-side to see what’s included and what requires additional fees.

Pricing and Service Fees

Home warranty costs typically include an annual premium plus a service fee for each repair visit. Premiums vary widely depending on the company and the level of coverage. Service fees usually range from $60 to $125 per visit. Make sure to factor in both when evaluating costs.

Claims Process and Customer Service

Look for companies with easy and accessible claims processes. Many providers offer 24/7 online or phone claim submission. Read reviews and check ratings from the Better Business Bureau (BBB) to gauge customer satisfaction and responsiveness.

Contract Terms and Exclusions

It’s critical to read the contract details. Home warranties usually exclude pre-existing conditions, improper maintenance, and damages due to natural disasters. Understanding these exclusions helps avoid surprises later.

Popular Companies to Consider

Choice Home Warranty: Affordable and widely available.

American Home Shield: Customizable with comprehensive coverage.

Select Home Warranty: Budget-friendly options.

First American Home Warranty: Quick claims and low fees.

By carefully comparing coverage, price, and service, you can select the home warranty that best fits your needs.