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TOP 3 Home Warranty Insurance BRANDS

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EDITOR'S CHOICE
$75 OFF + 1 MONTH FREE
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$75 OFF + 1 MONTH FREE

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$150 OFF + 2 MONTHS FREE
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$150 OFF + 2 MONTHS FREE

9.8
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LIMITED OFFER: GET $150 OFF!
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LIMITED OFFER: GET $150 OFF!

9.7
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1
EDITOR'S CHOICE
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$75 OFF + 1 MONTH FREE

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    File a claim 24/7
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    Covers over 1.9 million homes across America
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    Fix or replace guarantee
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    Flexible coverage at a great price
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    Nationwide network of 15,000+ technicians handled 6,000,000+ service requests

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Mobile Payments

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24/7 Support

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Quick Service

Pros & Cons

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    Extremely fast response times

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    Substantial discount with annual billing

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    Fast dispatching and claims process

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    No home inspection required

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    No systems-only plan

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    Not available in Washington state

Covered systems and appliances

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Total plan
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Heating System

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Air conditioning system

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Water heater

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Bathtub and shower

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Refrigerator

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Plumbing system

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Plumbing stoppage

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Electrical systems

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Oven / Range / Stove

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Cooktop

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Microwave

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Garbage Disposal

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Ductwork

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Garage Door Opener

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Ceiling and
Exhaust Fans

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Washer

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Dishwasher

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Dryer

Why We Picked It:

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We believe that Choice Home Warranty provides a high level of value. Having both a comprhensive and flexiable plan of coverage, at afforable rates.
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BEST CUSTOMER RATINGS
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$150 OFF + 2 MONTHS FREE

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    BBB Accredited and A+ Rated
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    Choose Your Own Technicians
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    No Contract. Cancel Any Time
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    24/7 Live US Based Claims Concierge
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    No Obligation Free Price Quote

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24/7 Claims Concierge

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Licensed And Bonded

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Customizable Plans

Pros & Cons

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    Additional coverage options can be included with any plan

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    Provides service on professional-grade appliances, with an average service fee of $150

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    Provides assistance to each customer during the claims process

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    Offers a 60-day money-back guarantee

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    Doesn't cover commercial appliances

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    Not yet available in all 50 states

Why We Picked It:

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There are many perks to choosing Elite Home Warranty for your home warranty, from customizable packages to unparalleled service. Elite Home Warranty can be a good option if you want to protect systems, appliances, or electronics that are not covered by regular maintenance contracts A claim can be filed with Elite Home Warranty at any time, every day, without exception.It offers a variety of attractive offers to its customers.
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MOST POPULAR
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LIMITED OFFER: GET $150 OFF!

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    Transferable to new owners
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    24/7 Service Requests
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    Generous coverage caps
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    17,000 Local, licensed contractors
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    In every state except Alaska & Hawaii

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Flexible Service

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24/7 Claims Service

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A Generous Cap On Coverage

Pros & Cons

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    Older items, no matter their age

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    Add on coverage for Electronics & pools/spas

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    Items without maintenance records

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    Undetectable pre-existing conditions

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    Radon monitoring systems excluded

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    Only 30 day parts & labor warranty

Covered systems and appliances

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HVAC

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Unlimited A/C refrigerant

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Plumbing system

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Electrical systems

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Oven / Range / Stove

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Cooktop

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Microwave

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Dishwasher

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Laundry

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Roof

Why We Picked It:

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*Disclaimer*: New Jersey Residents: The product being offered is a service contract and is separate and distinct from any product or service warranty which may be provided by the home builder or manufacturer.
American Home Shield is one of the top home warranty providers, serving more than 2 million households across the U.S., making it one of the largest companies on the market. The company works with over 17,000 independent contractors that are on call for all of your work orders. American Home Shield offers three plans with prices ranging from $35 per month with the option of adding on extra coverage for a fee.
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$75 OFF + 1 MONTH FREE

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    24/7 Customer and claim service
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    Over 15,000 technicians
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    No inspection required
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    No maintenance records required
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    Around clock claim intake

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24/7 Support

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Quick Service

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Mobile Payments

Pros & Cons

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    Coverage in 49 states + Washington DC (Not available in Wisconsin only)

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    Same price in every location

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    No inspection or maintenance records required

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    Additional cover for outside utilities available

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    Slightly higher prices to their competitors

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    24/7 phone service not available but you can submit claims online anytime

Covered systems and appliances

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Air conditioning
and HVAC system

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Heating system

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Refrigerator

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Plumbing system

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Electrical systems

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Water leaks

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Central vacuum

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Ceiling fans

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Garbage Disposal

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Garage Door Opener

Why We Picked It:

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The Home Service Club is an ideal home warranty company for those who need quick coverage, as a home inspection is not required before coverage begins.
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2 MONTHS FREE + 180 DAY GUARANTEE

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    Reasonably priced
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    2-Hour dispatch time
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    Coverage in contiguous US
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    A/C or refrigerator filter credits
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    3 plans to choose from

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180-Day Workmanship Guarantee

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24/7 Online Access

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Quick Claim Processing

Pros & Cons

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    Rust & Corrosion coverage

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    Discounts for new appliances

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    180-day workmanship guarantee

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    3 deductibles to choose

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    No roof coverage

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    Not available for registered historic homes

Covered systems and appliances

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Clothes Dryer

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Clothes Washer

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Cooktop

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Dishwasher

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Built-in Food Centers

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Freestanding Ice Makers

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Built-In Microwave

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Ranges

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Range Exhaust
Hoods

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Refrigerator

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Built-in Trash Compactors

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Air Conditioning

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Attic/Ceiling Fans

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Central vacuum

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Doorbells

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Electrical systems

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Garage Door Opener

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Garbage Disposal

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Heating System

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Plumbing system

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Jetted Bathtub

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Smoke Detectors

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Wall Ovens

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Toilets

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Sump Pump

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Cold Water Dispenser

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Water Heater

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Air Conditioner
or Refrigerator
Filter Credit

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Homeowners Insurance
Deductible Reimbursement

Why We Picked It:

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We believe Cinch provides great value with its plans. It is a great choice for homeowners looking for comprehensive coverage for their home. With their plans, you can rest assured knowing that your home’s systems and appliances are covered. Cinch Home Services plans provide coverage for parts and labor, meaning you shouldn't have to worry about costly repairs or replacements beyond your deductible. Plus, with their 24/7 customer service, you can rest easy knowing that you’ll always have someone to call in case of an emergency. With Cinch Home Services, you get great value for your money and peace of mind knowing that your home is protected.
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Leap Year Savings! Get a $200 Instant Discount* Promo Code: LEAP24

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    Comprehensive coverage options
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    24/7 Customer service
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    Affordable pricing
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    Experienced and reliable service technicians
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    Flexible plans to meet different needs

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Easy To Make Payments

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Service 24/7/365 Days A Year

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Fast And Reliable Service

Pros & Cons

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    24/7 customer service

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    Online and phone service claim

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    Unlimited service requests

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    35 years of industry proven reputation

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    Limited plan selection

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    Not avaliable in certain states

Covered systems and appliances

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Water heaters

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Air conditioning

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Well pump

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Refrigerator

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Plumbing system

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Electrical system

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Oven / Range / Stove

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Kitchen appliances

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Microwave

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Washer and spa

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Dishwasher

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Dryer

Why We Picked It:

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Whether you're looking to protect your home from unexpected repairs or replacements, First American Home Warranty is an affordable, reliable and comprehensive option for home owners who want to make sure they're covered in case of any problems.
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Winter Season Sale - $300 OFF + 2 Months & Free Roof Coverage

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    Fastest Claim Dispatch In The Industry
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    Among The Highest Renewal Rates In The Market
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    2024 Best-in-Service Award
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    Senior & Veterans Discounts
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    24/7 Dedicated Claims Team

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24/7 Support

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Get Covered In Minutes

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Mobile Payments

Pros & Cons

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    Senior and US Veterans discounts

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    You can choose your own technician if they are on their approved list

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    Lots of additional coverages

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    24/7 365 claims line and manage your claim online

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    Online chat not supported

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    Doesn’t cover undetectable pre-existing conditions

Covered systems and appliances

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Heating System

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Air conditioning system

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Water heater

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Refrigerator

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Plumbing system

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Plumbing stoppage

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Electrical systems

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Oven / Range / Stove

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Cooktop

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Built-In Microwave

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Garbage Disposal

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Ductwork

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Garage Door Opener

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Ceiling and
Exhaust Fans

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Clothes Washer

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Dishwasher

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Clothes Dryer

Why We Picked It:

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Reliable Home Warranty professionals
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TRUSTED PROVIDER
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$150 OFF+ 1 MONTH FREE

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    Available nationwide
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    24 Hours service
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    Eco friendly add-on plan
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    Nationwide coverage
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    No inspections, no age restrictions

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Available In All 50 States

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Guaranteed 30-Day Refund

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24/7 Claims Service

Pros & Cons

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    Trusted for vver 25 years

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    30 Day money-back guarantee

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    More than 25,000 contractors nationwide

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    24/7 Customer service

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    30 day waiting period

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    Limited coverage options

Covered systems and appliances

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Heating System/Furnace

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Trash compactor

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Electrical System

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Air conditioning

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Doorbells

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Burglar and Fire Systems

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Water heater

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Kitchen Refrigerator with Ice Maker

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Plumbing system

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Central Vacuum

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Range / Oven / Cooktop

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Built-in Microwave

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Ductwork

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Garage Door Opener

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Ceiling and
Exhaust Fans

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Clothes Washer

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Dishwasher

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Clothes Dryer

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Pool/Spa Combo

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Salt Water Pool (includes Pool/Spa)

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Well Pump

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Septic Tank Pumping

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Orange Plus

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SEER/R-410A Modifications

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Septic System

Why We Picked It:

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Their monthly rates are affordable, and they offer different payment plans to better serve customers on any budget. If you compare their rates and coverage to other home warranty companies, we think you'll agree that HWA delivers a great service at a competitive price.

Our Rating System

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We rely on reviews from verified users–just like you!

The star ratings are based on the overall rating of each brand.
We encourage you to write a review of your experiences with these brands and share your experiences with others

21,034
Chose HOME WARRANTY INSURANCE this month

Our Best Overall Provider

1
EDITOR'S CHOICE
Coupon icon

$75 OFF + 1 MONTH FREE

  • Check
    File a claim 24/7
  • Check
    Covers over 1.9 million homes across America
  • Check
    Fix or replace guarantee
  • Check
    Flexible coverage at a great price
  • Check
    Nationwide network of 15,000+ technicians handled 6,000,000+ service requests

Arrow See extra details & advantages

Icon

Mobile Payments

Icon

24/7 Support

Icon

Quick Service

Pros & Cons

Arrow

  • Check

    Extremely fast response times

  • Check

    Substantial discount with annual billing

  • Check

    Fast dispatching and claims process

  • Check

    No home inspection required

  • Cancel

    No systems-only plan

  • Cancel

    Not available in Washington state

Covered systems and appliances

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Total plan
Icon

Heating System

Icon

Air conditioning system

Icon

Water heater

Icon

Bathtub and shower

Icon

Refrigerator

Icon

Plumbing system

Icon

Plumbing stoppage

Icon

Electrical systems

Icon

Oven / Range / Stove

Icon

Cooktop

Icon

Microwave

Icon

Garbage Disposal

Icon

Ductwork

Icon

Garage Door Opener

Icon

Ceiling and
Exhaust Fans

Icon

Washer

Icon

Dishwasher

Icon

Dryer

Why We Picked It:

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We believe that Choice Home Warranty provides a high level of value. Having both a comprhensive and flexiable plan of coverage, at afforable rates.

What is the Home Warranty Insurance?

Home Warranty Insurance, also known as Insurance Warranty or Home Insurance protection plan, is a type of insurance coverage that safeguards homeowners against unexpected repairs or breakdowns of household appliances. This insurance provides financial protection by covering the cost of repairs or replacement of appliances such as refrigerators, washing machines, dishwashers, ovens, and more.

Home Warranty insurance typically includes coverage for mechanical and electrical failures due to normal wear and tear, as well as certain accidental damages. By investing in this insurance, homeowners can have peace of mind knowing that they are protected against costly repairs or replacements, and can rely on their appliances to function smoothly.

How to pick the best Home Warranty Insurance?

When choosing the best Home Warranty Insurance, it's important to consider several factors to ensure comprehensive coverage and maximum protection for your valuable appliances. Start by evaluating the coverage options offered by different insurance providers, looking for keywords like "Appliance Warranty," "Home Appliance protection plan," and "Coverage for mechanical and electrical failures." Assess the extent of coverage provided for various appliances, including refrigerators, washing machines, dishwashers, ovens, and more.

Additionally, look for keywords like "accidental damage coverage" and "normal wear and tear" to ensure that these aspects are included. Consider the deductible amounts, claim processes, and the reputation and reliability of the insurance provider. By thoroughly researching and comparing these factors, you can select the best home appliance insurance that aligns with your needs, protecting your appliances and offering peace of mind.

What's the difference between a Home Warranty and Home Insurance?

Understanding the distinction between a Home Warranty and Home Insurance is crucial for homeowners seeking comprehensive protection. Home Insurance primarily covers unforeseen events and perils, such as fire, theft, natural disasters, or liability claims. It provides financial reimbursement for property damage and personal belongings.

On the other hand, a Home Warranty is a service contract that covers the repair or replacement of major home systems and appliances due to normal wear and tear. It acts as a safeguard against mechanical failures and breakdowns. While Home Insurance focuses on unexpected events, a Home Warranty offers peace of mind by providing budget-friendly protection for everyday breakdowns.

By recognizing the difference between the two, homeowners can make informed decisions and ensure they have both insurance and a Home Warranty in place to safeguard their home and its valuable components.

Our Top 3 HOME WARRANTY INSURANCE

1
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    Extremely fast response times

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    Substantial discount with annual billing

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    Fast dispatching and claims process

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    No home inspection required

  • Cancel

    No systems-only plan

  • Cancel

    Not available in Washington state

We believe that Choice Home Warranty provides a high level of value. Having both a comprhensive and flexiable plan of coverage, at afforable rates.

2
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    Additional coverage options can be included with any plan

  • Check

    Provides service on professional-grade appliances, with an average service fee of $150

  • Check

    Provides assistance to each customer during the claims process

  • Check

    Offers a 60-day money-back guarantee

  • Cancel

    Doesn't cover commercial appliances

  • Cancel

    Not yet available in all 50 states

There are many perks to choosing Elite Home Warranty for your home warranty, from customizable packages to unparalleled service. Elite Home Warranty can be a good option if you want to protect systems, appliances, or electronics that are not covered by regular maintenance contracts A claim can be filed with Elite Home Warranty at any time, every day, without exception.It offers a variety of attractive offers to its customers.

3
  • Check

    Older items, no matter their age

  • Check

    Add on coverage for Electronics & pools/spas

  • Check

    Items without maintenance records

  • Check

    Undetectable pre-existing conditions

  • Cancel

    Radon monitoring systems excluded

  • Cancel

    Only 30 day parts & labor warranty

*Disclaimer*: New Jersey Residents: The product being offered is a service contract and is separate and distinct from any product or service warranty which may be provided by the home builder or manufacturer.
American Home Shield is one of the top home warranty providers, serving more than 2 million households across the U.S., making it one of the largest companies on the market. The company works with over 17,000 independent contractors that are on call for all of your work orders. American Home Shield offers three plans with prices ranging from $35 per month with the option of adding on extra coverage for a fee.

Our Rating System

We rely on reviews from verified users–just like you!

The star ratings are based on the overall rating of each brand.
We encourage you to write a review of your experiences with these brands and share your experiences with others

Kelly
Creative writer and editor

Kelly Weissman

Kelly Weissman is an expert analyst and reviewer who has a wealth of experience.
She is highly respected for her opinions and insights, and her reviews are sought after by both consumers and businesses alike. Kelly is a trusted source of information and her reviews are always fair and objective.

What is the Home Warranty Insurance?

Home Warranty Insurance, also known as Insurance Warranty or Home Insurance protection plan, is a type of insurance coverage that safeguards homeowners against unexpected repairs or breakdowns of household appliances. This insurance provides financial protection by covering the cost of repairs or replacement of appliances such as refrigerators, washing machines, dishwashers, ovens, and more.

Home Warranty insurance typically includes coverage for mechanical and electrical failures due to normal wear and tear, as well as certain accidental damages. By investing in this insurance, homeowners can have peace of mind knowing that they are protected against costly repairs or replacements, and can rely on their appliances to function smoothly.

How to pick the best Home Warranty Insurance?

When choosing the best Home Warranty Insurance, it's important to consider several factors to ensure comprehensive coverage and maximum protection for your valuable appliances. Start by evaluating the coverage options offered by different insurance providers, looking for keywords like "Appliance Warranty," "Home Appliance protection plan," and "Coverage for mechanical and electrical failures." Assess the extent of coverage provided for various appliances, including refrigerators, washing machines, dishwashers, ovens, and more.

Additionally, look for keywords like "accidental damage coverage" and "normal wear and tear" to ensure that these aspects are included. Consider the deductible amounts, claim processes, and the reputation and reliability of the insurance provider. By thoroughly researching and comparing these factors, you can select the best home appliance insurance that aligns with your needs, protecting your appliances and offering peace of mind.

What's the difference between a Home Warranty and Home Insurance?

Understanding the distinction between a Home Warranty and Home Insurance is crucial for homeowners seeking comprehensive protection. Home Insurance primarily covers unforeseen events and perils, such as fire, theft, natural disasters, or liability claims. It provides financial reimbursement for property damage and personal belongings.

On the other hand, a Home Warranty is a service contract that covers the repair or replacement of major home systems and appliances due to normal wear and tear. It acts as a safeguard against mechanical failures and breakdowns. While Home Insurance focuses on unexpected events, a Home Warranty offers peace of mind by providing budget-friendly protection for everyday breakdowns.

By recognizing the difference between the two, homeowners can make informed decisions and ensure they have both insurance and a Home Warranty in place to safeguard their home and its valuable components.

FAQ

What is the Home Warranty Insurance?
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A Home Warranty is a service contract that provides coverage for the repair or replacement of major home systems and appliances due to normal wear and tear, offering homeowners financial protection and peace of mind.

Do I Need the Home Warranty Insurance?
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Home Warranty Insurance can be beneficial for homeowners as it provides coverage for potential repairs and replacements of major appliances and systems. It offers peace of mind and financial protection against unexpected breakdowns. However, the necessity of Home Warranty Insurance depends on individual circumstances, such as the age of the home and the homeowner’s ability to cover repair costs.

How do Home Warranties Insurance Manage to Provide House Owners With Qualified technicians?
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Home Warranty companies typically have a network of qualified technicians and service providers that they work with. These companies carefully vet and select technicians based on their expertise and experience. When a homeowner requests a service, the home warranty company dispatches a qualified technician from their network to address the issue, ensuring that homeowners receive professional and reliable service.

If the Appliances are Old, Can I Purchase a Home Warranty Insurance?
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Yes, you can purchase Home Warranty Insurance even if your appliances are old. Home Warranty companies typically cover appliances and systems regardless of their age, although there may be some limitations or exclusions based on the condition of the items. It’s important to review the terms and conditions of the Home Warranty policy to understand what is covered and any potential limitations for older appliances.

EDITOR'S CHOICE
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$75 OFF + 1 MONTH FREE
9.9
Visit Site
BEST CUSTOMER RATINGS
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$150 OFF + 2 MONTHS FREE
9.8
Visit Site
MOST POPULAR
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LIMITED OFFER: GET $150 OFF!
9.7
Visit Site
Kelly
Creative writer and editor

Kelly Weissman

Creative writer and editor

Kelly Weissman is an expert analyst and reviewer who has a wealth of experience.
She is highly respected for her opinions and insights, and her reviews are sought after by both consumers and businesses alike. Kelly is a trusted source of information and her reviews are always fair and objective.