Best Home Warranty Companies

American Residential Warranty offers three different plans, the most-comprehensive of which covers 20 home systems and appliances. Coverage is offered nationwide, and you can choose a monthly or annual plan.

American Residential Warranty offers three plans–the 4-in-1 Bundle, Platinum Premier, and Kitchen Plus plans. The 4-in-1 Bundle, the most comprehensive plan, costs $59.99 a a month and covers 20 systems and appliances. The Platinum Premier plan costs $49.99 a month, and the Kitchen Plus plan costs $34.99 a month.

Here's a breakdown of what's covered in each plan.

We found homeowner plan pricing to be reasonable for the industry and consistent across states, something rare in the business.

Read the full American Residential Warranty review.

American Home Shield, which is available in all states except for Alaska, offers three plans.

The company offers three homeowner plans and three real estate plans, and the coverages offered should be comprehensive enough for most people. Plan pricing varies from state to state, and some plans are much more expensive in certain states.

American Home Shield offers three homeowner plans: ShieldPlatinum, Shield Gold, and ShieldSilver, as well as three plans for real estate professionals. The most comprehensive homeowner plan, ShieldPlatinum, covers 21 systems and appliances

Here's a breakdown of what's covered in each of the homeowner plans.

Add-on coverage to customize your plan for appliances and systems not covered is available. Additionally, there are add-on packages for electronics coverage and pool/spa coverage, among others.

We found that American Home Shield's plan costs vary greatly depending upon your state. Here's a breakdown of the annual cost across three states.

Read the full American Home Shield review.

Cinch Home Services has been in business for more than 45 years. There are three warranty plan options available, with trade service fee options of $100, $125, and $150. A trade service fee is a type of deductible you'll pay when a technician comes to make a repair. The good news is, the higher your trade service fee, the lower your monthly payment.

Coverage is available in 46 states, excluding Alaska, Hawaii, Iowa, and Massachusetts, and like most home warranties, coverage begins 30 days after plan purchase. But what really sets Cinch apart is its 180-day repair guarantee. 

Cinch Home Services offers three plans: Complete Home, Built-In Systems, and Appliances. The most-comprehensive plan, Complete Home, covers 31 appliances and systems–rather impressive for the industry. Here's a breakdown of what these plans cover.

Cinch's plans cover some appliances and systems not covered by competitors. Most plans don't reimburse homeowners insurance deductibles. And you'd be hard-pressed to find another plan that offers an air conditioner or water filter credit. These are unique coverages you can't find elsewhere.

On the pricing side, Cinch's plans run the gamut from affordable to pricey, all depending upon your location. Here's how the cost stacks up by state.

Read the full Cinch Home Services review.

Select Home Warranty has been around for more than a decade and offers three plans to choose from. And although standard coverages for these three plans run a little thin compared to its competitors, Select Home Warranty offers a generous range of add-on coverages at reasonable prices.

Plan pricing across Select Home Warranty varies from state to state, but the average annual cost of plan is $503.32. Optional add-ons cost the same in every state where coverage is offered. On the upside, if you choose to pay annually in full, you receive two free months of service. And another perk is free roof leak coverage for two months after you sign up.

Select Home Warranty offers three plans–the Gold Care, Platinum Care, and Bronze Care plans, the most comprehensive of which covers 17 appliances and home systems. This may seem like a paltry offering compared to the more than 20 systems and appliances most providers cover, but the company offers a plethora of optional add-ons to round out your plan.

Here's what each plan covers.

Plan pricing is standard regardless of your location. Here's how it shakes out.

Now let's take a look at those optional add-ons, as well as the monthly cost for each.

Read the full Select Home Warranty review.

Sears Home Warranty offers three plans–the Appliance, System, and Whole Home plans. The Appliance plan covers 10 appliances, the Systems plan covers 11 home systems, and the Whole Home plan covers 21 appliances and systems. We found this to be fairly standard among home warranty plans.

Plan pricing seems to be consistent from state to state. We compared plan prices in California, New York, Missouri, Oregon, Louisiana, and Florida, and they all had the same pricing.

The company offers the Appliance, System, and Whole Home plans, the most comprehensive of which covers 21 appliances and systems.

Here's what each plan covers.

Plan costs are level regardless of your location. We looked at plans in Texas, New York, California, and Florida, and plan pricing remained consistent. Here's how pricing looks for each of Sears Home Warranty's plans.

Read our full Sears Home Warranty review.