{"id":10043,"date":"2024-03-13T10:05:51","date_gmt":"2024-03-13T10:05:51","guid":{"rendered":"https:\/\/topat10.com\/?p=10043"},"modified":"2024-03-13T10:05:51","modified_gmt":"2024-03-13T10:05:51","slug":"the-best-home-warranty-companies-in-florida","status":"publish","type":"post","link":"https:\/\/topat10.com\/?p=10043","title":{"rendered":"The Best Home Warranty Companies in Florida"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div itemprop=\"text\">\n<p>The Sunshine State and citrus capital of the United States is known for its warm weather, high humidity, and frequent downpours. So, it\u2019s not surprising that many Florida homeowners want protection should their AC unit die in the middle of the summer or when their roof starts leaking after heavy rain. A home warranty helps with this, but many homeowners are reluctant to sink their hard-earned money into one, as there are many companies offering policies riddled with exclusions and ways to get out of reimbursing you.\u00a0<\/p>\n<p>I\u2019ve spent countless hours researching, secret shopping, and speaking with customer service representatives to narrow down the best <a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/best-home-warranty\/\">home warranty companies in Florida<\/a> so you can find one that will protect you when your roof leaks or your sump pump fails. These five companies are scored using Today\u2019s Homeowners\u2019 unique review criteria, which considers affordability, coverage and plans, company reputation, claims process, customer experience, and availability.\u00a0<\/p>\n<div class=\"gb-container gb-container-1ec44ac5\">\n<div class=\"gb-container gb-container-6b5605fa\">\n<p>Why Trust Us?<\/p>\n<p class=\"gb-headline gb-headline-833a84ce gb-headline-text\">Here\u2019s how we ranked and reviewed the nation\u2019s top home warranty companies to bring you the most accurate information.<\/p>\n<\/div>\n<div class=\"gb-grid-wrapper gb-grid-wrapper-0fc132e8\">\n<div class=\"gb-grid-column gb-grid-column-51155eae\">\n<div class=\"gb-container gb-container-51155eae\">\n<p>76<\/p>\n<div class=\"gb-container gb-container-c2f490be gb-accordion\">\n<div class=\"gb-container gb-container-661fa18a gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-a399d06c gb-accordion__toggle\"><span class=\"gb-button-text\">companies reviewed<\/span><span class=\"gb-icon\"><svg xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke=\"#ffffff\" fill=\"#ffffff\" version=\"1.1\" viewbox=\"-2.4 -2.4 28.80 28.80\"><g stroke-width=\"0\" id=\"SVGRepo_bgCarrier\"\/><g stroke-linejoin=\"round\" stroke-linecap=\"round\" id=\"SVGRepo_tracerCarrier\"\/><g id=\"SVGRepo_iconCarrier\"> <title>information_fill<\/title> <g fill-rule=\"evenodd\" fill=\"none\" stroke-width=\"1\" stroke=\"none\" id=\"\u9875\u9762-1\"> <g fill-rule=\"nonzero\" transform=\"translate(-672.000000, -48.000000)\" id=\"System\"> <g transform=\"translate(672.000000, 48.000000)\" id=\"information_fill\"> <path fill-rule=\"nonzero\" id=\"MingCute\" d=\"M24,0 L24,24 L0,24 L0,0 L24,0 Z M12.5934901,23.257841 L12.5819402,23.2595131 L12.5108777,23.2950439 L12.4918791,23.2987469 L12.4918791,23.2987469 L12.4767152,23.2950439 L12.4056548,23.2595131 C12.3958229,23.2563662 12.3870493,23.2590235 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C12.0751323,23.7926639 12.0828099,23.8018602 12.0926481,23.8045676 L12.108256,23.8032389 L12.3092106,23.7104931 L12.3186497,23.7024347 L12.3186497,23.7024347 L12.3225043,23.6906389 L12.340401,23.2611114 L12.337245,23.2485176 L12.337245,23.2485176 L12.3277531,23.2396597 L12.1430473,23.1473072 Z\"> <\/path> <path fill=\"#9e9e9e\" id=\"\u5f62\u72b6\" d=\"M12,2 C17.5228,2 22,6.47715 22,12 C22,17.5228 17.5228,22 12,22 C6.47715,22 2,17.5228 2,12 C2,6.47715 6.47715,2 12,2 Z M11.99,10 L11,10 C10.4477,10 10,10.4477 10,11 C10,11.51285 10.386027,11.9355092 10.8833761,11.9932725 L11,12 L11,16.99 C11,17.5106133 11.3938293,17.9392373 11.8999333,17.9940734 L12.01,18 L12.5,18 C13.0523,18 13.5,17.5523 13.5,17 C13.5,16.6710222 13.3411062,16.3791012 13.0958694,16.1968582 L13,16.1338 L13,11.01 C13,10.4893867 12.6060836,10.0607627 12.1000493,10.0059266 L11.99,10 Z M12,7 C11.4477,7 11,7.44772 11,8 C11,8.55228 11.4477,9 12,9 C12.5523,9 13,8.55228 13,8 C13,7.44772 12.5523,7 12,7 Z\"> <\/path> <\/g> <\/g> <\/g> <\/g><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-855135ce\">\n<p class=\"gb-headline gb-headline-c774fe11 gb-headline-text\">Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-grid-column gb-grid-column-8c16dcf2\">\n<div class=\"gb-container gb-container-8c16dcf2\">\n<p>152<\/p>\n<div class=\"gb-container gb-container-addedde8 gb-accordion\">\n<div class=\"gb-container gb-container-80c16dcd gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-eefbc2e8 gb-accordion__toggle\"><span class=\"gb-button-text\">quotes collected<\/span><span class=\"gb-icon\"><svg xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke=\"#ffffff\" fill=\"#ffffff\" version=\"1.1\" viewbox=\"-2.4 -2.4 28.80 28.80\"><g stroke-width=\"0\" id=\"SVGRepo_bgCarrier\"\/><g stroke-linejoin=\"round\" stroke-linecap=\"round\" id=\"SVGRepo_tracerCarrier\"\/><g id=\"SVGRepo_iconCarrier\"> <title>information_fill<\/title> <g fill-rule=\"evenodd\" fill=\"none\" stroke-width=\"1\" stroke=\"none\" id=\"\u9875\u9762-1\"> <g fill-rule=\"nonzero\" transform=\"translate(-672.000000, -48.000000)\" id=\"System\"> <g transform=\"translate(672.000000, 48.000000)\" id=\"information_fill\"> <path fill-rule=\"nonzero\" id=\"MingCute\" d=\"M24,0 L24,24 L0,24 L0,0 L24,0 Z M12.5934901,23.257841 L12.5819402,23.2595131 L12.5108777,23.2950439 L12.4918791,23.2987469 L12.4918791,23.2987469 L12.4767152,23.2950439 L12.4056548,23.2595131 C12.3958229,23.2563662 12.3870493,23.2590235 12.3821421,23.2649074 L12.3780323,23.275831 L12.360941,23.7031097 L12.3658947,23.7234994 L12.3769048,23.7357139 L12.4804777,23.8096931 L12.4953491,23.8136134 L12.4953491,23.8136134 L12.5071152,23.8096931 L12.6106902,23.7357139 L12.6232938,23.7196733 L12.6232938,23.7196733 L12.6266527,23.7031097 L12.609561,23.275831 C12.6075724,23.2657013 12.6010112,23.2592993 12.5934901,23.257841 L12.5934901,23.257841 Z M12.8583906,23.1452862 L12.8445485,23.1473072 L12.6598443,23.2396597 L12.6498822,23.2499052 L12.6498822,23.2499052 L12.6471943,23.2611114 L12.6650943,23.6906389 L12.6699349,23.7034178 L12.6699349,23.7034178 L12.678386,23.7104931 L12.8793402,23.8032389 C12.8914285,23.8068999 12.9022333,23.8029875 12.9078286,23.7952264 L12.9118235,23.7811639 L12.8776777,23.1665331 C12.8752882,23.1545897 12.8674102,23.1470016 12.8583906,23.1452862 L12.8583906,23.1452862 Z M12.1430473,23.1473072 C12.1332178,23.1423925 12.1221763,23.1452606 12.1156365,23.1525954 L12.1099173,23.1665331 L12.0757714,23.7811639 C12.0751323,23.7926639 12.0828099,23.8018602 12.0926481,23.8045676 L12.108256,23.8032389 L12.3092106,23.7104931 L12.3186497,23.7024347 L12.3186497,23.7024347 L12.3225043,23.6906389 L12.340401,23.2611114 L12.337245,23.2485176 L12.337245,23.2485176 L12.3277531,23.2396597 L12.1430473,23.1473072 Z\"> <\/path> <path fill=\"#9e9e9e\" id=\"\u5f62\u72b6\" d=\"M12,2 C17.5228,2 22,6.47715 22,12 C22,17.5228 17.5228,22 12,22 C6.47715,22 2,17.5228 2,12 C2,6.47715 6.47715,2 12,2 Z M11.99,10 L11,10 C10.4477,10 10,10.4477 10,11 C10,11.51285 10.386027,11.9355092 10.8833761,11.9932725 L11,12 L11,16.99 C11,17.5106133 11.3938293,17.9392373 11.8999333,17.9940734 L12.01,18 L12.5,18 C13.0523,18 13.5,17.5523 13.5,17 C13.5,16.6710222 13.3411062,16.3791012 13.0958694,16.1968582 L13,16.1338 L13,11.01 C13,10.4893867 12.6060836,10.0607627 12.1000493,10.0059266 L11.99,10 Z M12,7 C11.4477,7 11,7.44772 11,8 C11,8.55228 11.4477,9 12,9 C12.5523,9 13,8.55228 13,8 C13,7.44772 12.5523,7 12,7 Z\"> <\/path> <\/g> <\/g> <\/g> <\/g><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-9b418bbf\">\n<p class=\"gb-headline gb-headline-e4fc7235 gb-headline-text\">We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-grid-column gb-grid-column-e928fcce\">\n<div class=\"gb-container gb-container-e928fcce\">\n<p>6<\/p>\n<div class=\"gb-container gb-container-065b1b7a gb-accordion\">\n<div class=\"gb-container gb-container-70fc3e42 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-9d4e4cfe gb-accordion__toggle\"><span class=\"gb-button-text\">rating factors<\/span><span class=\"gb-icon\"><svg xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke=\"#ffffff\" fill=\"#ffffff\" version=\"1.1\" viewbox=\"-2.4 -2.4 28.80 28.80\"><g stroke-width=\"0\" id=\"SVGRepo_bgCarrier\"\/><g stroke-linejoin=\"round\" stroke-linecap=\"round\" id=\"SVGRepo_tracerCarrier\"\/><g id=\"SVGRepo_iconCarrier\"> <title>information_fill<\/title> <g fill-rule=\"evenodd\" fill=\"none\" stroke-width=\"1\" stroke=\"none\" id=\"\u9875\u9762-1\"> <g fill-rule=\"nonzero\" transform=\"translate(-672.000000, -48.000000)\" id=\"System\"> <g transform=\"translate(672.000000, 48.000000)\" id=\"information_fill\"> <path fill-rule=\"nonzero\" id=\"MingCute\" d=\"M24,0 L24,24 L0,24 L0,0 L24,0 Z M12.5934901,23.257841 L12.5819402,23.2595131 L12.5108777,23.2950439 L12.4918791,23.2987469 L12.4918791,23.2987469 L12.4767152,23.2950439 L12.4056548,23.2595131 C12.3958229,23.2563662 12.3870493,23.2590235 12.3821421,23.2649074 L12.3780323,23.275831 L12.360941,23.7031097 L12.3658947,23.7234994 L12.3769048,23.7357139 L12.4804777,23.8096931 L12.4953491,23.8136134 L12.4953491,23.8136134 L12.5071152,23.8096931 L12.6106902,23.7357139 L12.6232938,23.7196733 L12.6232938,23.7196733 L12.6266527,23.7031097 L12.609561,23.275831 C12.6075724,23.2657013 12.6010112,23.2592993 12.5934901,23.257841 L12.5934901,23.257841 Z M12.8583906,23.1452862 L12.8445485,23.1473072 L12.6598443,23.2396597 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M11.99,10 L11,10 C10.4477,10 10,10.4477 10,11 C10,11.51285 10.386027,11.9355092 10.8833761,11.9932725 L11,12 L11,16.99 C11,17.5106133 11.3938293,17.9392373 11.8999333,17.9940734 L12.01,18 L12.5,18 C13.0523,18 13.5,17.5523 13.5,17 C13.5,16.6710222 13.3411062,16.3791012 13.0958694,16.1968582 L13,16.1338 L13,11.01 C13,10.4893867 12.6060836,10.0607627 12.1000493,10.0059266 L11.99,10 Z M12,7 C11.4477,7 11,7.44772 11,8 C11,8.55228 11.4477,9 12,9 C12.5523,9 13,8.55228 13,8 C13,7.44772 12.5523,7 12,7 Z\"> <\/path> <\/g> <\/g> <\/g> <\/g><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-3e6b7d8f\">\n<p class=\"gb-headline gb-headline-0a32b967 gb-headline-text\">Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p class=\"has-text-align-right\">Read our full <a href=\"https:\/\/todayshomeowner.com\/home-warranty-methodology\/\">Home Warranty Review Methodology<\/a> for more details.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Top 5 Florida Home Warranty Companies<\/h2>\n<section id=\"th-subscribe-block_2cdd50b34659325d439989bd49662453\" class=\"th-block th-subscribe\">\n<div class=\"d-flex flex-column my-4 p-4 highlightsBlock\">\n<p>Highlights<\/p>\n<ul>\n<li>During my secret shopping, I got the best deals when I spoke directly with customer service representatives, searched for online discounts, and opted for home warranty payments that were charged annually. I definitely recommend speaking with an agent to secure the best deal. <\/li>\n<li>I strongly recommend looking into a \u201ccomplete\u201d plan with appliance and home system coverage when shopping for different plans. Many dissatisfied home warranty customers pick a plan with only one and are later shocked to find out their chosen plan doesn\u2019t cover certain items or systems.<\/li>\n<li>Elite Home Warranty is one of my top picks for its comprehensive coverage of up to $6,000 on appliances and up to $10,000 for home systems (like your AC), and it offers Florida homeowners limited roof leak repairs as an add-on, which can give you peace of mind during the rainy season. <\/li>\n<\/ul><\/div>\n<\/section>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\" id=\"h-my-expert-recommendation\">My Expert Recommendation<\/h2>\n<p>While I think all five companies on this list have a lot to offer, my top picks are Liberty Home Guard and Elite Home Warranty. Both providers provide limited roof leak protection as an available add-on to any of their plans, which is a huge advantage<strong> <\/strong>for Florida homeowners facing a lot of rain, which is notoriously rough on roofing materials. If you\u2019re looking for the ultimate customization options, I strongly recommend Liberty Home Guard. It offers the most extensive number of add-ons, unique coverage options like pest control, carpet cleaning (which may come in handy after a muddy rain), and reliable emergency services.\u00a0<\/p>\n<p>But if you have luxury or high-end appliances, my pick is Elite Home Warranty, which has the highest coverage of all the reviewed providers. Some of its plans cover up to $6,000 on appliances and $10,000 for home systems, like your overworked HVAC system that\u2019s working hard to keep your home at a comfortable temperature in the hot Florida weather.<\/p>\n<section id=\"th-tips-block_f526fd530f2f9e65782cad9037918648\" class=\"th-block th-tips\" style=\"color: ; background-color: ;\">\n<div class=\"thTipsContainer\">\n<p>Today\u2019s Homeowner Tips<\/p>\n<p>            While I think all five companies on this list have a lot to offer, my top picks are Liberty Home Guard and Elite Home Warranty.        <\/p><\/div>\n<\/section>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h3 class=\"wp-block-heading\">Florida Home Warranty Companies I Didn\u2019t Include<\/h3>\n<p>I excluded First Premier Home Warranty from this list due to its poor online reviews, slim plan offerings, and no workmanship guarantee (this protects you should a repair or replacement fail shortly after the technician addresses the initial problem). I also didn\u2019t include Home Warranty of America because it has terrible online reviews (Yelp gave it a 1.1 star), a poor Better Business Bureau rating, and has only been in business for two years, which is hardly enough time to see what the company is really made of and if its practices are sustainable.\n<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\" id=\"h-compare-the-highest-rated-home-warranties-in-florida\" data-toc-text=\"Compare Best Home Warranty Companies\">Compare The Highest Rated Home Warranties In Florida<br \/>\n<\/h2>\n<p class=\"has-small-font-size\"><em>Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.<\/em><\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\" id=\"h-our-reviews-of-the-best-home-warranties\">Our Reviews of the Best Home Warranties<\/h2>\n<div class=\"gb-container gb-container-9ecbcd85\">\n<div class=\"gb-container gb-container-ae7310e8\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-a1c5dcba\">\n<div class=\"gb-grid-column gb-grid-column-68e5d0eb\">\n<div class=\"gb-container gb-container-68e5d0eb\">\n<p>Best for Customization<\/p>\n<h3 class=\"gb-headline gb-headline-1e790e41 gb-headline-text\">Liberty Home Guard<\/h3>\n<p class=\"gb-headline gb-headline-8a6fa0e3 gb-headline-text\">4.6<\/p>\n<p class=\"gb-headline gb-headline-22b15352 gb-headline-text\">Our Rating<\/p>\n<div class=\"gb-container gb-container-3fdd3eb9 border-dash\">\n<p><strong>Limited Time:<\/strong> <\/p>\n<p>$200 Off + 2 Months free + Free Roof Leak Coverage<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-b6a19f5b gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-adabc3a7 gb-button-text gb-tabs__button gb-block-is-current\">What I Like<\/button><\/p>\n<p><button class=\"gb-button gb-button-c2e411d6 gb-button-text gb-tabs__button\">What I Don\u2019t Like<\/button><\/p>\n<div class=\"gb-container gb-container-2e4faabe gb-tabs__items\">\n<div class=\"gb-container gb-container-d249a59c gb-tabs__item gb-tabs__item-open\">\n<p>Liberty Home Guard is the only company I\u2019ve seen with coverage for unique items like carpet cleaning, pest control, and a reverse osmosis water filter. With more than 40 add-on options, you can truly customize your plan to fit your needs. For example, if your Florida home has a casita guest unit or needs gutter cleaning, you can opt for those add-ons with Liberty, which are rare offerings in this industry. <\/p>\n<\/div>\n<div class=\"gb-container gb-container-212c2d09 gb-tabs__item\">\n<p>Liberty Home Guard has lower coverage limits of up to $2,000 for most appliances and systems, depending on the plan. Unfortunately, this is below average as most providers offer up to $3,000 in coverage. For example, some providers, like Elite Home Warranty, offer up to $6,000 in appliance coverage (three times more than Liberty). If you have high-end or luxury appliances in your Florida home, I\u2019d recommend looking into Elite Home Warranty or American Home Shield for better coverage so you\u2019re not left with insufficient coverage for your pricier HVAC system or dishwasher.\n<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-8a7035e5 gb-accordion\" data-accordion-multiple-open=\"\">\n<div class=\"gb-container gb-container-d611f17e gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-da53a45d gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Bottom Line: 9.3\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-8bcf5a13\">\n<p>Liberty Home Guard has above-and-beyond customer service and customizability for its plans that are challenging to find from other providers. While its coverage is lower than I\u2019d like (a maximum of up to $2,000), you can opt for unique add-ons you won\u2019t find elsewhere, like electronics protection, TV mounting, central vacuum coverage, and even pest control (a great choice against the <a href=\"https:\/\/florida-environmental.com\/common-pests-and-wildlife-in-florida\/\">prevalent silverfish problems<\/a> in Florida). I found Liberty Home Guard\u2019s customer service exceptional with its fast claim process, high reimbursement percentages, and user-friendly quote and sign-up process.<\/p>\n<p>Still, if you have a luxury home with high-end appliances, consider companies like Elite Home Warranty or American Home Shield for its higher coverage caps, ensuring you\u2019re not stuck paying part of the bill for an expensive appliance replacement. If you don\u2019t need a higher coverage cap, Liberty is an excellent choice for its plan customization, with 40+ add-ons and nationwide availability.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-8a74e626 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-929af486 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Plans and Coverage: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-6d46f2de\">\n<p>Liberty has a perfect 10 out of 10 score for its phenomenal plans and coverage because of its massive number of 40+ add-ons, which give you far more choices than providers like American Home Shield, which have fewer than 10 choices. If you need specific coverage for a well pump, carpet cleaning, or pest control for those pesky silverfish or Florida ticks, this provider is an excellent choice to provide peace of mind. In terms of plans, you can select from <a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/appliance-insurance\/\">an appliance-only plan<\/a>, systems-only plan, and comprehensive plan featuring both. I\u2019d recommend the Total Home Guard because it\u2019s only $5 to $10 more than the system or appliance plans, and you\u2019ll receive more comprehensive coverage for your home.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Plan<\/em><\/td>\n<td><em>Monthly Cost<\/em><\/td>\n<td><em>Service Fee<\/em><\/td>\n<td><em>Available Discounts<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Appliance Guard<\/em><\/td>\n<td><em>$49.99<\/em><\/td>\n<td><em>$125<\/em><\/td>\n<td>2 months free, $200 off coupon (online)<\/td>\n<\/tr>\n<tr>\n<td><em>Systems Guard<\/em><\/td>\n<td><em>$54.99<\/em><\/td>\n<td><em>$125<\/em><\/td>\n<td>2 months free, $200 off coupon (online)<\/td>\n<\/tr>\n<tr>\n<td><em>Total Home Guard<\/em><\/td>\n<td><em>$59.99<\/em><\/td>\n<td><em>$125<\/em><\/td>\n<td>2 months free, $200 off coupon (online)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Miami. The cost data presented was accurate at the time of writing.\u00a0<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>Liberty has an outstanding number of available add-ons. In Florida, these include limited roof leak, well pump, and septic system pumping. The full list is below:<\/p>\n<ul>\n<li>Pool and spa: $19.99\/month<\/li>\n<li>Additional spa: $9.99\/month<\/li>\n<li>Lawn sprinkler system: $9.99\/month<\/li>\n<li>Salt water pool: $23.99\/month<\/li>\n<li>Generator: $19.99\/month<\/li>\n<li>Casita guest unit: $35.99\/month<\/li>\n<li>Sump pump: $8.99\/month<\/li>\n<li>Well pump: $12.99\/month<\/li>\n<li>Septic system pumping: $12.99\/month<\/li>\n<li>Ejector pump: $14.99\/month<\/li>\n<li>Grinder pump: $14.99\/month<\/li>\n<li>Limited roof leak: $11.99\/month<\/li>\n<li>Re-key: $9.99\/month<\/li>\n<li>Gutter cleaning: $14.99\/month<\/li>\n<li>Pest control: $14.99\/month<\/li>\n<li>Carpet cleaning: $19.99\/month<\/li>\n<li>Window washing\/cleaning: $19.99\/month<\/li>\n<li>Power washing (exterior flooring): $19.99\/month<\/li>\n<li>Central vacuum: $8.99\/month<\/li>\n<li>Stand alone freezer: $5.99\/month<\/li>\n<li>Water softener: $13.99\/month<\/li>\n<li>Swamp cooler: $14.99\/month<\/li>\n<li>Second refrigerator: $7.99\/month<\/li>\n<li>Trash compactor: $7.49\/month<\/li>\n<li>Ice maker (in-fridge): $3.99\/month<\/li>\n<li>Freestanding ice maker: $14.99\/month<\/li>\n<li>Wine cooler\/fridge: $11,99\/month<\/li>\n<li>Water dispenser water line: $4.99\/month<\/li>\n<li>Instant hot water dispenser: $9.99\/month<\/li>\n<li>Reverse osmosis water filter system: $14.99\/month<\/li>\n<li>Lighting fixtures: $7.99\/month<\/li>\n<li>Plumbing fixtures: $7.99\/month<\/li>\n<li>Electronics protection: $19.99\/month<\/li>\n<li>TV mounting (up to 65-inch TVs): $14.99\/month<\/li>\n<li>TV mounting (up to 85-inch TVs): $19.99\/month<\/li>\n<li>Pro-series refrigerator: $14.99\/month<\/li>\n<li>Pro-series stand-alone freezer: $14.99\/month<\/li>\n<li>Pro-series range\/oven\/cooktop: $12.99\/month<\/li>\n<li>Pro-series dishwasher: $7.99\/month<\/li>\n<li>Pro-series microwave: $4.99\/month<\/li>\n<li>Pro-series washing machine: $4.99\/month<\/li>\n<li>Pro-series clothes dryer: $4.99\/month<\/li>\n<\/ul>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>Liberty Home Guard has a standard list of exclusions, which I recommend reviewing carefully, as exclusions lead to claim denial. Some of its exclusions can be covered with offered add-ons, such as lighting coverage through its lighting fixture add-on.\u00a0<\/p>\n<ul>\n<li>Pre-existing conditions<\/li>\n<li>Flues, vents, chimneys, and exhaust lines<\/li>\n<li>Electronics, computerized, \u201csmart,\u201d or Internet\/enabled components and parts<\/li>\n<li>Filters associated with any covered items<\/li>\n<li>Remote receiving and transmitting devices<\/li>\n<li>Radon and other leak detection monitoring systems<\/li>\n<li>Fire sprinkler systems<\/li>\n<li>Lighting\u00a0<\/li>\n<li>Solar systems and applications<\/li>\n<li>Cosmetic defects<\/li>\n<li>Disposal of appliances, systems, or components<\/li>\n<li>Cranes or other specialty vehicles required to install, remove, or access your appliances or home systems<\/li>\n<li>Glass parts<\/li>\n<li>Noise<\/li>\n<li>Malfunction due to storms or other acts of God<\/li>\n<\/ul>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-8960402a gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-5eaa64fe gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Affordability: 8.9\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-24c42fed\">\n<p>The <a href=\"https:\/\/todayshomeowner.com\/home-finances\/cost\/home-warranty-cost\/\">average cost of a home warranty<\/a> is about $57 per month, but Liberty Home Guard offers more affordable plans, with its appliance plan starting at $49.99 per month. However, the company falls short in affordability thanks to costly add-ons. Still, the company offers a significant number of options for add-ons, such as TV mounting, electronics protection, in-fridge ice maker, and reverse osmosis water filter system coverage, which other providers seldom offer. For the best deal, check Liberty\u2019s website and linger on the website for a while while visiting another tab. When I did this, I was offered two months free and $200 off my home warranty purchase, so definitely take advantage of this.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-d30e334c gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-b05aae64 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Customer Experience: 7.8\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-f421c039\">\n<p>My experience with Liberty Home Guard was efficient, thanks to the company\u2019s user-friendly website and a customizable mix-and-match quote process where you can explore different coverage levels and transparent pricing surrounding its add-ons. This is a great benefit when weighing the pros and cons of signing up for an add-on, like well pumps, which are especially popular in Florida. Where this company loses a few points is its longer-than-average quote wait time of five days, which is longer than many providers like American Home Shield, which responds in under four.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-09a9c322 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-3e0cffbc gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Company Reputation: 9.1\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-45a42b72\">\n<p>Liberty Home Guard has a consistent customer reputation with consistent customer praise for its strong claim acceptance rate. During my research, I discovered positive, high ratings with many clients pointing out the simple claims process, fast turnaround after submitting claims, competent technicians, and above-and-beyond customer experience when speaking with agents. This fast turnaround is particularly critical for Florida residents as the last thing you want to be left without is an AC unit on a hot and humid day. Overall, negative reviews were limited, with a few customers pointing out that they were charged additional fees beyond the regular service fee and experienced a long claim wait period.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Rating Site<\/em><\/td>\n<td><em>Rating<\/em><\/td>\n<td><em>Number of Reviews<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>BBB<\/em><\/td>\n<td><em>A<\/em><\/td>\n<td><em>Customer Reviews are not used in the calculation of BBB Rating<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>4.7<\/em><\/td>\n<td><em>2,417<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td><em>1.5<\/em><\/td>\n<td><em>54<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The ratings provided were accurate at the time of writing.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-e3caf4f4 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-c0fd1c6d gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Claims Process: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-1da4ef6c\">\n<p>Liberty Home Guard has one of the best claims processes in the industry, with an average claim response time of 12 hours and excellent emergency service coverage for urgent cases like your AC unit breaking down on a humid, blazing-hot day in the Florida summer. Customer reviews also backed this up with praise about Liberty\u2019s quick payouts and simple claim process, which you can access online or by calling a customer service agent.\u00a0<\/p>\n<p>A drawback I want to point out in Liberty\u2019s sample contract is that the provider will cover up to \u201cthe covered item\u2019s book value.\u201d This means that Liberty won\u2019t reimburse you the total amount of your appliance or systems before depreciation. While this isn\u2019t necessarily a rare practice, it\u2019s something you\u2019ll want to keep in mind during the claims process.\u00a0<\/p>\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"data:image\/svg+xml,%3Csvg%20xmlns=\" http:=\"\" alt=\"\" class=\"lazyload\" data-lazy-src=\"https:\/\/lh7-us.googleusercontent.com\/tYp251beblhZiELdMYipxGCM25Rm_Mob7LiJV-2BnzOaWAfoMmh_zZ0t4X8cca7869PSuaoezMox3lgWbLmDVPcDX5tmFfGn0VppNA7GoM5OKYxT4f1Sg85YT6Vw89yvyT544bz52pOX3mcQSC4h-Cs\"\/><noscript><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/lh7-us.googleusercontent.com\/tYp251beblhZiELdMYipxGCM25Rm_Mob7LiJV-2BnzOaWAfoMmh_zZ0t4X8cca7869PSuaoezMox3lgWbLmDVPcDX5tmFfGn0VppNA7GoM5OKYxT4f1Sg85YT6Vw89yvyT544bz52pOX3mcQSC4h-Cs\" class=\"lazyload\" alt=\"\"\/><\/noscript><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-95fc2321 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-b496c87e gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Availability: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-36784289\">\n<p>Liberty is one of the few companies with coverage in all 50 states, giving all U.S. homeowners a chance to experience its comprehensive coverage options. The company\u2019s ability to pay out claims to all 50 states is reassuring and provides extra peace of mind about the company\u2019s steadfast business model.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-9e8ea5ad\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-0d67a5b1\">\n<div class=\"gb-grid-column gb-grid-column-b0e55190\">\n<div class=\"gb-container gb-container-b0e55190\">\n<p>Best Coverage Limits<\/p>\n<h3 class=\"gb-headline gb-headline-47104804 gb-headline-text\">American Home Shield<\/h3>\n<p class=\"gb-headline gb-headline-3980dabd gb-headline-text\">4.3<\/p>\n<p class=\"gb-headline gb-headline-c334c0db gb-headline-text\">Our Rating<\/p>\n<div class=\"gb-container gb-container-406a82bb border-dash\">\n<p><strong>Limited Time:<\/strong> <\/p>\n<p>40% Off Our Most Popular Plan<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-680755e4 gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-33285d81 gb-button-text gb-tabs__button gb-block-is-current\">What I Like<\/button><\/p>\n<p><button class=\"gb-button gb-button-d9d8211b gb-button-text gb-tabs__button\">What I Don\u2019t Like<\/button><\/p>\n<div class=\"gb-container gb-container-e145cb47 gb-tabs__items\">\n<div class=\"gb-container gb-container-40fcd9cb gb-tabs__item gb-tabs__item-open\">\n<p>American Home Shield shines for its impressive coverage levels of up to $5,000 for home systems like your HVAC system. This is above and beyond what most providers like Select Home Warranty offer. I love that you can receive coverage for code violations, modifications, and permits, which home warranties don\u2019t always offer, meaning you end up without coverage and with expensive bills. AHS also has outstanding coverage for older appliances and covers you if your appliances or systems have undetectable pre-existing conditions, which is almost unheard of in this industry, as many providers like Select Home Warranty don\u2019t cover this.<\/p>\n<\/div>\n<div class=\"gb-container gb-container-5fca56db gb-tabs__item\">\n<p>American Home Shield has an okay B rating from the Better Business Bureau but has many complaints, with nearly 6,500 closed in the last year. Unfortunately, it has poor Yelp and Trustpilot ratings. Otherwise, this provider is more expensive than average, with more costly service fees of $100 and $125, meaning you\u2019ll pay more for each visit. For reference, most providers offer at least one service fee choice under $100.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-f8d05ba3 gb-accordion\" data-accordion-multiple-open=\"\">\n<div class=\"gb-container gb-container-75d1fd5c gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-e675d8c3 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Bottom Line: 8.6\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-0cd5db2a\">\n<p>Hands down, I would recommend American Home Shield\u2019s ShieldPlatinum plan, which comes with roof leak coverage \u2014 an offering most home warranty providers don\u2019t have and one that is especially important for Florida residents who experience more than their fair share of rain. However, I\u2019d skip its ShieldGold plan, which excludes basic appliances like a refrigerator or stove, which I wouldn\u2019t want to be left without.\u00a0<\/p>\n<p>While more expensive than average, AHS brings a lot of value with its comprehensive coverage, including up to $4,000 for home appliances and up to $5,000 for home systems. Most providers only offer $2,000 to $3,000 maximum, so this can make a huge difference, especially if you have high-end appliances.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-5dbad8e0 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-4178a732 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Plans and Coverage: 9\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-78c6f3e9\">\n<p>American Home Shield leads the industry with three comprehensive plans with very high coverage levels. Many home warranty providers don\u2019t cover the total cost to replace systems and appliances, but AHS\u2019s high coverage levels of up to $5,000 on HVAC systems is a fantastic benefit \u2014 especially for Florida homeowners cranking up the air conditioning during heat waves. This is substantial compared to other providers, like Liberty Home Guard, which offers up to $2,000. You even receive free roof leak repairs with its ShieldPlatinum plan and a free HVAC tune-up, which are uncommon offerings in the industry and a great way to protect yourself from Florida downpours and heat waves.\u00a0<\/p>\n<p>The following prices are pre-sale, so you can get an idea of everyday pricing. However, if you can sign up during a sale period, you may be able to get some fantastic discounts, such as the one I was offered during a 40% off sale.<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Plan<\/em><\/td>\n<td><em>Monthly Cost<\/em><\/td>\n<td><em>Service Fee<\/em><\/td>\n<td><em>Available Discounts,<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>ShieldSilver<\/em><\/td>\n<td><em>$39.99<\/em><\/td>\n<td><em>$125<\/em><\/td>\n<td><em>Same-day sign-up discount of 5-10%, 40% off sale (online)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>ShieldGold<\/em><\/td>\n<td><em>$59.99<\/em><\/td>\n<td><em>$125<\/em><\/td>\n<td><em>Same-day sign-up discount of 5-10%, 40% off sale (online)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>ShieldPlatinum<\/em><\/td>\n<td><em>$89.99<\/em><\/td>\n<td><em>$125<\/em><\/td>\n<td><em>Same-day sign-up discount of 5-10%, 40% off sale (online)<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Miami. The cost data presented was accurate at the time of writing.\u00a0<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>AHS has a phenomenal add-on for roof leak repair \u2014 something many providers don\u2019t offer at all \u2014 and it\u2019s incredibly affordable at $10 a month. As Florida is <a href=\"https:\/\/climatecenter.fsu.edu\/topics\/specials\/anticipating-heavy-rain-in-florida#:~:text=Florida%20is%20one%20of%20the,69%20percent%20of%20the%20year.\">one of the wettest states<\/a> in the country, this is an essential and significant benefit that comes included with the AHS ShieldPlatinum plan.\u00a0<\/p>\n<ul>\n<li>Roof leak repair: $10\/month<\/li>\n<li>Electronics protection plan: $14\/month\u00a0<\/li>\n<li>Pool &amp; built-in-spa equipment: $18\/month<\/li>\n<li>Guest unit: $15.99\/month<\/li>\n<li>Septic pump: $5\/month<\/li>\n<li>Well pump: $8\/month<\/li>\n<\/ul>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>American Home Shield really shines with its comprehensive coverage. Its exclusions are pretty typical and include:<\/p>\n<ul>\n<li>Construction or carpentry costs<\/li>\n<li>Restoration of walls<\/li>\n<li>Flues, chimneys, venting, and exhaust lines<\/li>\n<li>Repairs or replacements due to cosmetic defects<\/li>\n<li>Repairs due to mold<\/li>\n<li>Appliances not covered under ShieldSilver plan<\/li>\n<li>Natural disasters<\/li>\n<\/ul>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-ef3112ab gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-22ea78df gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Affordability: 8.7\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-9ba47ba0\">\n<p>American Home Shield has average to slightly more expensive monthly premiums than other providers, with the average quote I received falling around $59.99 (although I was offered 40% off this during a sale period). Its service fees are costly, with choices of $100 or $125, but you receive much higher coverage with AHS\u2019s plans. You\u2019re really getting a big bang for your buck with <a href=\"https:\/\/todayshomeowner.com\/hvac\/reviews\/best-home-warranty-for-hvac\/\">its HVAC coverage<\/a>, which is up to $5,000 depending on the plan and far greater than almost all other providers on the market. While its service fees and premiums are a little more expensive, the coverage is far better than most, so it\u2019s a strong option for Florida homeowners wanting extra peace of mind.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-78737044 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-30a06fce gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Customer Experience: 8.4\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-a1fe1104\">\n<p>Customers repeatedly praise American Home Shield\u2019s fast turnaround times when they\u2019re waiting for a repair or replacement, which is incredibly important for Floridians when their air conditioning system fails mid-summer. I personally had an efficient experience with American Home Shield, and I like that it offers a strong service guarantee of 30 days, where a technician will come back to repair your appliance or system again if you report any issues within a month of the initial service. Under the guarantee, you don\u2019t have to worry about paying a service fee again, which is a big bonus that not all providers offer. I also appreciate that you don\u2019t have to provide a phone number to receive a quote online, meaning you won\u2019t receive a wave of phone calls after asking for a quote \u2014 which is an unpleasant experience I\u2019ve had with other providers.\u00a0<\/p>\n<p>For more information about American Home Shield, watch this quick video overview: <\/p>\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\n<div class=\"wp-block-embed__wrapper\">\n<noscript><\/p>\n<div class=\"jlvid_container\"><iframe title=\"Welcome to American Home Shield\u00ae - Everything You Need to Know\" width=\"1170\" height=\"658\" src=\"https:\/\/www.youtube.com\/embed\/Pj1k5OWwByc?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen><\/iframe><\/div>\n<p><\/noscript>\n<\/div>\n<\/figure>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-4a99afdc gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-27f42385 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Company Reputation: 7.7\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-bfc6df63\">\n<p>While it has an okay B rating from the Better Business Bureau, this BBB-accredited home warranty company has mixed reviews from other third-party review websites. Its reviews on Trustpilot and Yelp are both below 2.5 stars, which is worrying, but I wouldn\u2019t focus on these reviews online. Many customers don\u2019t completely understand what is and isn\u2019t covered under their policy, leaving them unhappy when something they believe should be covered isn\u2019t. Positive reviews repeatedly praised American Home Shield for amazing coverage, competent customer service agents and technicians, and a quick turnaround after submitting a claim, which is important when dealing with a broken water heater or AC unit.\u00a0 Negative reviews criticized American Home Shield for slow turnaround times, which conflicts with the positive reviews \u2014 another reason to take everything with a grain of salt.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Rating Site<\/em><\/td>\n<td><em>Rating<\/em><\/td>\n<td><em>Number of Reviews<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>BBB<\/em><\/td>\n<td><em>B<\/em><\/td>\n<td><em>Customer Reviews are not used in the calculation of BBB Rating<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>2.2<\/em><\/td>\n<td><em>5,229<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Google<\/em><\/td>\n<td><em>4.5<\/em><\/td>\n<td><em>32,681<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td><em>1.1<\/em><\/td>\n<td><em>1,266<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The ratings provided were accurate at the time of writing.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-fbf42599 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-17c6f98e gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Claims Process: 8.4\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-294863a2\">\n<p>Like many nationwide providers, American Home Shield offers an online portal and a 24\/7 customer service phone line where you can submit a claim. After submitting your claim, you can easily track your home repair history and follow up online, making this a user-friendly process. The only downside is its reported 48-hour response time, which is longer than some providers like Liberty Home Guard with its 12-hour response time average.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-59c50086 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-89505ba3 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Availability: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-ec80bafa\">\n<p>American Home Shield is available in 49 states, including the beautiful Sunshine State,\u00a0 but doesn\u2019t offer coverage in Alaska. This comprehensive coverage indicates that this provider has a sustainable business model, especially when coupled with the fact that it\u2019s been in business for over 50 years.American Home Shield is available in 49 states \u2014 Alaska being the only state it does not cover. So, homeowners nationwide can rely on AHS\u2019s wide network of experienced contractors to swiftly repair issues in their homes.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-headline gb-headline-3a706d11 gb-headline-text provider-box\"><a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/american-home-shield\/\">Read our full American Home Shield review<\/a><\/div>\n<\/div>\n<div class=\"gb-container gb-container-7fa54571\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-12769c97\">\n<div class=\"gb-grid-column gb-grid-column-684ffa0e\">\n<div class=\"gb-container gb-container-684ffa0e\">\n<p>Best Claims Acceptance<\/p>\n<h3 class=\"gb-headline gb-headline-fdb201a8 gb-headline-text\">Choice Home Warranty<\/h3>\n<p class=\"gb-headline gb-headline-d9279fb5 gb-headline-text\">4.3<\/p>\n<p class=\"gb-headline gb-headline-1a2b7e41 gb-headline-text\">Our Rating<\/p>\n<div class=\"gb-container gb-container-80127500 border-dash\">\n<p><strong>Limited Time:<\/strong> <\/p>\n<p>$50 Off + 1 month free!<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-5c079386 gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-00878a0a gb-button-text gb-tabs__button gb-block-is-current\">What I Like<\/button><\/p>\n<p><button class=\"gb-button gb-button-aa8abbe7 gb-button-text gb-tabs__button\">What I Don\u2019t Like<\/button><\/p>\n<div class=\"gb-container gb-container-57e24bdc gb-tabs__items\">\n<div class=\"gb-container gb-container-f85b1b17 gb-tabs__item gb-tabs__item-open\">\n<p>Choice Home Warranty has a high claim acceptance rate, fast turnaround time, and great emergency services, which customers frequently praise in reviews, and something I personally want to see in a provider. I also like that its plans are more budget-friendly than most, with its most comprehensive plan costing about $55 per month when I received quotes for a two-bedroom home in Miami. The average home warranty premium is around $57 per month, so the fact that Choice\u2019s most extensive plan, which covers appliances and home systems, is less than that is a steal. Its basic plan is even more budget-friendly, costing around $46 per month.<\/p>\n<\/div>\n<div class=\"gb-container gb-container-4a613e10 gb-tabs__item\">\n<p>Choice Home Warranty has an unresolved lawsuit about consumer fraud with the <a href=\"https:\/\/www.azag.gov\/press-release\/attorney-general-mark-brnovich-sues-home-warranty-company-misleading-arizona\">Arizona Attorney General<\/a>, which gives me pause. While I couldn\u2019t find other lawsuits against the company, it\u2019s a less-than-ideal search result to come across when considering a home warranty company.<em>\u00a0<\/em><br \/>While I like that Choice Home Warranty offers roof leak protection, it only pays up to $500 for access, diagnosis, repair, or roof replacement. Considering a lot of roof leak repairs cost between <a href=\"https:\/\/todayshomeowner.com\/roofing\/cost\/roof-repair-cost\/\">$1,500 and $3,000<\/a>,\u00a0 this isn\u2019t sufficient for most roof leak incidents, especially when living in a rainy area like Florida.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-fd1e0948 gb-accordion\" data-accordion-multiple-open=\"\">\n<div class=\"gb-container gb-container-2b81c66d gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-bffb53c1 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Bottom Line: 8.6\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-0c1b0fd3\">\n<p>If you\u2019re on a budget, Choice Home Warranty is a strong choice. With its basic plan, you can <strong>save nearly $132 <\/strong>a year on premiums alone. Its cost-effective add-ons are another huge plus, with most of them costing less than $14.99 per month (far more affordable than Elite Home Warranty, with its add-ons usually costing $15 to $20 a month). Florida homeowners may particularly benefit from its spa, pool, sprinkler system, and sump pump add-ons, which you can add and still stay within budget due to its more affordable monthly premiums.\u00a0<\/p>\n<p>In addition, this provider has solid customer service ratings, with many praising its fast turnaround and high claim acceptance. However, it is dealing with a consumer fraud lawsuit from the Arizona Attorney General. While ongoing, I would keep it in mind as you consider this provider.\u00a0<\/p>\n<p>Choice Home Warranty\u2019s roof leak protection is a great benefit, but its coverage limit isn\u2019t as high as I\u2019d like at up to $500. If you\u2019re interested in really great roof leak protection, I\u2019d suggest looking into American Home Shield, which offers up to $1,500 for this.\u00a0 Finally, I like that Choice offers multiple discounts, including a discount for annual payments.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-74f1972a gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-cd008886 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Plans and Coverage: 8.3\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-b7a5e534\">\n<p>Choice Home Warranty offers two plans, and I strongly recommend against one of its plans, especially for Florida homeowners: its Basic Plan. The Basic Plan excludes your dryer, washer, refrigerator, and air conditioning system, which are all key items to look for coverage on when you live in a hot, humid climate like Florida. The comprehensive Total Plan offers coverage for all of these and more unusual items like garbage disposals, plumbing stoppages, cooktop exhaust fans, and garage door openers. I really like that this plan includes built-in microwaves, ductwork, water heaters, and even a whirlpool bathtub, so if you go with Choice, I\u2019d skip its Basic Plan and opt for its Total Plan. Florida homeowners will also be happy to hear that you can add coverage for sump pumps, pools and spas, and a sprinkler system.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Plan<\/em><\/td>\n<td><em>Monthly Cost<\/em><\/td>\n<td><em>Service Fee<\/em><\/td>\n<td><em>Available Discounts<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Basic Plan<\/em><\/td>\n<td><em>$46.83<\/em><\/td>\n<td><em>$85<\/em><\/td>\n<td>Annual payment discounts and\u00a0 1 month free (online or phone)<\/td>\n<\/tr>\n<tr>\n<td><em>Total Plan<\/em><\/td>\n<td><em>$54.75<\/em><\/td>\n<td><em>$85<\/em><\/td>\n<td>Annual payment discounts and\u00a0 1 month free (online or phone)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Miami. The cost data presented was accurate at the time of writing.\u00a0<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>Choice Home Warranty has the following add-ons (which are very affordable) :\u00a0<\/p>\n<ul>\n<li>Central vacuum: $3.33\/month<\/li>\n<li>Limited roof leak: $5.83\/month<\/li>\n<li>Pool: $15\/month<\/li>\n<li>Second Refrigerator: $3.33\/month<\/li>\n<li>Septic System: $10\/month<\/li>\n<li>Septic Tank Pumping: $5.42\/month<\/li>\n<li>Spa: $15\/month<\/li>\n<li>Additional Spa: $15\/month<\/li>\n<li>Sprinkler system: $8.33\/month<\/li>\n<li>Standalone freezer: $3.33\/month<\/li>\n<li>Sump pump: $3.33\/month<\/li>\n<li>Well pump: $8.33\/month<\/li>\n<\/ul>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>This provider\u2019s exclusions are standard, with nothing standing out as a red flag to me.\u00a0<\/p>\n<p>Choice Home Warranty doesn\u2019t cover the following:\u00a0<\/p>\n<ul>\n<li>Audio or visual equipment<\/li>\n<li>Internet connection components<\/li>\n<li>Upgrades or modifications to original systems or appliances<\/li>\n<li>Pool accessories<\/li>\n<li>Fireplaces<\/li>\n<li>Doorbell<\/li>\n<li>Central vacuum ductwork, accessories, hoses, and blockages<\/li>\n<li>Portable or above-ground spas and pools<\/li>\n<li>Act of God incidents<\/li>\n<\/ul>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-0076f407 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-33a43a08 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Affordability: 8.9\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-39427a2c\">\n<p>Choice Home Warranty has largely affordable plans, but it lacks coverage with its Basic Plan, which doesn\u2019t even cover your air conditioning unit, clothes washer, dryer, or refrigerator. However, I recommend its more comprehensive yet affordable Total Plan, which covers all of these appliances and more unique items like garage door openers and cooktop exhaust fans. Where Choice stands out most regarding affordability is its add-ons, which are almost all less than $14.99 monthly. If you look at other providers, like Elite Home Warranty, you\u2019ll see that this is a great deal compared to the higher $15, $20, or even $25 or more per add-on prices, which can quickly destroy the affordability of a monthly home warranty premium.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-7b9474f9 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-6b2f1d9e gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Customer Experience: 8.4\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-8bb26d34\">\n<p>I had a largely positive customer experience with Choice Home Warranty, with the quote process having a fast turnaround. Another benefit is its extensive nationwide network of over 15,000 vetted contractors that are pre-screened and local, so you don\u2019t have to worry about rude or inexperienced technicians being sent to repair your appliances. The worst part of my customer experience was dealing with Choice\u2019s less-than-user-friendly online quote calculator. It doesn\u2019t clearly break down each add-on cost or show you a comparison chart between plans so you can weigh your options more effectively. While not a deal breaker, this made the online shopping experience tedious for me.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-bfd6a497 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-e2a30012 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Company Reputation: 8.3\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-1b698630\">\n<p>Overall, Choice Home Warranty has solid reviews with a B rating from the Better Business Bureau and almost four-star ratings from Trustpilot \u2014 higher than most providers, which have many one and two-star ratings (like American Home Shield). Many positive reviews highlighted affordable service fees, a quick and easy claims process, and high-quality work from technicians. Negative reviews pointed out how difficult it is to cancel your policy, which is worrisome. The biggest concern for its reputation is an ongoing, unresolved consumer fraud lawsuit with the Arizona Attorney General\u2019s Office. Choice has paid out some claims to customers, but it remains ongoing.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Rating Site<\/em><\/td>\n<td><em>Rating<\/em><\/td>\n<td><em>Number of Reviews<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>BBB<\/em><\/td>\n<td>B<\/td>\n<td><em>Customer Reviews are not used in the calculation of BBB Rating<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td>3.7<\/td>\n<td>38,281<\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td>1.1<\/td>\n<td>42<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The ratings provided were accurate at the time of writing.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-45be9805 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-4902cc8e gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Claims Process: 8.8\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-fa475491\">\n<p>One of Choice\u2019s biggest benefits is its fantastic emergency service with 24\/7\/365 availability. It\u2019s extra helpful to have this, as many providers don\u2019t have emergency services or charge extra for it. Nobody wants to be stuck with a broken-down AC unit in the middle of a hot, humid Florida summer. Having to pay an extra fee to receive emergency services is immensely frustrating, so I appreciate that Choice offers this service without extra fees. In terms of its regular claim process, you can expect to hear back between 24 and 48 hours, which is a decent turnaround time for this industry.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-6b33db7c gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-ed636504 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Availability: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-321b590d\">\n<p>Choice Home Warranty provides warranties to all states except California and Washington, so Florida homeowners are covered. You can also rest easy knowing that this provider has handled over three million customer claims, demonstrating its reliability.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-headline gb-headline-af7e847c gb-headline-text provider-box\"><a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/choice-home-warranty\/\">Read our Choice Home Warranty review<\/a><\/div>\n<\/div>\n<div class=\"gb-container gb-container-3ba9ccfa\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-2403195b\">\n<div class=\"gb-grid-column gb-grid-column-82127dd9\">\n<div class=\"gb-container gb-container-82127dd9\">\n<p>Best Value<\/p>\n<h3 class=\"gb-headline gb-headline-00b25a51 gb-headline-text\">Select Home Warranty<\/h3>\n<p class=\"gb-headline gb-headline-c7f050fb gb-headline-text\">4.2<\/p>\n<p class=\"gb-headline gb-headline-a0788e0d gb-headline-text\">Our Rating<\/p>\n<div class=\"gb-container gb-container-dc315818 border-dash\">\n<p><strong>Limited Time:<\/strong> <\/p>\n<p>$150 Off (Code HOUSE25)<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-7d518d3a gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-1a588591 gb-button-text gb-tabs__button gb-block-is-current\">What I Like<\/button><\/p>\n<p><button class=\"gb-button gb-button-868a02fe gb-button-text gb-tabs__button\">What I Don\u2019t Like<\/button><\/p>\n<div class=\"gb-container gb-container-5e6f7a85 gb-tabs__items\">\n<div class=\"gb-container gb-container-f0e3a69e gb-tabs__item gb-tabs__item-open\">\n<p>Select Home Warranty shines for its affordability and overall value with a strong coverage cap of up to $3,000 for HVAC and air conditioning systems at the budget-friendly cost of around $60 per month for a two-bedroom home (closer to $40 with the offered discount). During my secret shopping online, Select Home Warranty offered me a multi-year coverage discount, cheaper service fees of $65 and $75, and a 40% sale discount, which would save me hundreds of dollars a year<strong> <\/strong>on my home warranty plan.<\/p>\n<\/div>\n<div class=\"gb-container gb-container-3031a35c gb-tabs__item\">\n<p>Select Home Warranty excludes coverage for unknown pre-existing conditions, which means the provider won\u2019t pay up if your dishwasher breaks down due to a preexisting condition (even if it was unknown to you). While this isn\u2019t an uncommon exclusion, it\u2019s certainly frustrating and can shock homeowners, especially when providers like American Home Shield cover unknown pre-existing conditions. Another con is Select\u2019s lackluster Gold and Bronze plans, which don\u2019t cover a lot on their own, with some items only receiving up to $500 in coverage \u2014 not enough to cover major repairs to your fridge or a replacement, certainly.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-bccb9526 gb-accordion\" data-accordion-multiple-open=\"\">\n<div class=\"gb-container gb-container-2a463211 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-982125dc gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Bottom Line: 8.1\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-fc5bc53a\">\n<p>While Select Home Warranty offers monthly and annual payment options that will fit into most budgets, its coverage is lacking. You can save on its low-cost service fees, but you may end up still paying more toward a repair or replacement if you hit its lower coverage caps (which are as low as $500 on some appliances and systems). However, for Florida homeowners, its AC and HVAC system coverage is up to $3,000, which isn\u2019t as amazing as providers like Elite Home Warranty, which has up to $10,000 payouts for home systems. But it\u2019s enough for basic repairs or to help you pay for a replacement if your AC gives out. Another con is that customer reviews pointed out that they were sometimes charged multiple service fees for a single visit when they had several claims or necessary repairs. I haven\u2019t seen this practice from other home warranty providers, and it can definitely negate the benefit of Select\u2019s otherwise very affordable service fees of $65 or $75.\u00a0<\/p>\n<p>On the positive side, Select Home Warranty includes up to $400 in roof leak coverage free of charge with all of its plans, which is exceptional as many providers don\u2019t even offer roof leak coverage. Overall, I\u2019d recommend this provider if you are on a tight budget and looking for coverage to <em>help<\/em> with repairs or go toward a replacement, as Select\u2019s plans don\u2019t offer high enough coverage to totally replace most appliances if they break down.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-aa543c6a gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-d750dfe5 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Plans and Coverage: 6.7\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-4db15aea\">\n<p>Select Home Warranty offers pretty standard plans, with an appliance plan, systems plan, and comprehensive plan combining both (the Platinum Care plan). The Bronze Care plan covers appliances, while the Gold Care plan covers systems, and their costs are the same for a two-bedroom home in Springfield.\u00a0 I wouldn\u2019t choose the Bronze or Gold Care plans as they aren\u2019t very comprehensive and only cost a few dollars less per month than the Platinum Care plan.\u00a0 I would pay the extra few dollars and get my appliances and home systems covered and take advantage of the included roof leak coverage to protect my home against Florida rain.\u00a0<\/p>\n<p>Several customer reviews shared that they were able to negotiate an even lower monthly premium and service fee (which is $40 to $50 cheaper than most providers as is) when they called the company and spoke with an agent \u2014 so definitely try your hand at negotiating a better deal for yourself.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Plan<\/em><\/td>\n<td><em>Monthly Cost<\/em><\/td>\n<td><em>Service Fee<\/em><\/td>\n<td><em>Available Discounts<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Bronze Care<\/em><\/td>\n<td><em>$60.42<\/em><\/td>\n<td><em>$75<\/em><\/td>\n<td><em>$150 Off (Website), 2 Extra Months Free (Website)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Gold Care<\/em><\/td>\n<td><em>$60.42<\/em><\/td>\n<td><em>$75<\/em><\/td>\n<td><em>$150 Off (Website), 2 Extra Months Free (Website)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Platinum Care<\/em><\/td>\n<td><em>$63.75<\/em><\/td>\n<td><em>$75<\/em><\/td>\n<td><em>$150 Off (Website), 2 Extra Months Free (Website)<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Miami. The cost data presented was accurate at the time of writing.\u00a0<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>A fantastic benefit of Select Home Warranty\u2019s plan is its free roof leak coverage, which I strongly recommend taking advantage of, as this can protect your home against expensive repairs after Florida rainstorms.\u00a0<\/p>\n<ul>\n<li>Central vacuum: $3.33\/mo<\/li>\n<li>Lawn sprinkler system: $5.83\/mo<\/li>\n<li>Pool: $8.33\/mo<\/li>\n<li>Roof leak: $0\/mo<\/li>\n<li>Septic system: $5.83\/mo<\/li>\n<li>Spa: $5.83\/mo<\/li>\n<li>Stand alone freezer: $3.33\/mo<\/li>\n<li>Sump pump: $3.33\/mo<\/li>\n<li>Well pump: $3.33\/mo<\/li>\n<\/ul>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>Select\u2019s plans are comprehensive, especially its Platinum Care Plan, which covers both systems and home appliances. I found its exclusions to be pretty typical:\u00a0<\/p>\n<ul>\n<li>Secondary damage (i.e., your home warranty may cover roof damage but won\u2019t cover water damage caused by the leak)<\/li>\n<li>Incorrect installation or malfunctions due to construction damage or improper wiring<\/li>\n<li>Issues with systems or appliances related to hazardous or toxic materials (i.e., mold, asbestos, gas leaks, etc.)\u00a0<\/li>\n<li>Common areas in condominiums or family homes<\/li>\n<li>Solar heating systems<\/li>\n<li>Damage caused by natural disasters and rust<\/li>\n<li>Defects or damages caused by the foundation and structure of the home<\/li>\n<\/ul>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-ac05390d gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-6a1ef566 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Affordability: 8.7\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-52bce54e\">\n<p>Select Home Warranty offers <a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/cheapest-home-warranty\/\">very affordable coverage<\/a>, with its most expensive plan costing around $60 for a two-bedroom home (without discount). During my Florida home warranty secret shopping, I was offered a 40% discount, which brought this rate down significantly (around $36 per month). You can even save money by paying annual rather than monthly premiums. Finally, Select is exceptionally affordable with its low-cost service fee options of $65 and $75. Many home warranty companies don\u2019t offer service fees of less than $75, and some, like American Home Shield, only have service fees of $100 or more, which adds up fast if you need several repairs in one year.\u00a0<\/p>\n<section id=\"th-tips-block_eb96767d6bed5cb6d102642ce93aff0b\" class=\"th-block th-tips\" style=\"color: ; background-color: ;\">\n<div class=\"thTipsContainer\">\n<p>Today\u2019s Homeowner Tips<\/p>\n<p>            Home warranty companies charge a service fee each time you have a technician come to your home to examine, repair, or replace your appliance or home system. Most companies have service fees ranging from $75 to $125, so companies like Select Home Warranty, which feature lower service fees of $65 and $75, can save you considerable money throughout the year. However, you can lower your monthly premium by choosing a higher service fee. I recommend considering how new your appliances are and how frequently you believe you\u2019ll need service before choosing between the least expensive and most expensive service fee options offered.         <\/p><\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-72dc9b65 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-7e753ee4 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Customer Experience: 7.8\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-3106d4b8\">\n<p>Select has a detailed online quote calculator that breaks down its three plans and their benefits. I liked the breakdown of each plan\u2019s cost and available savings so you can get a clear picture of what its plans will cost you over time. Overall, my experience with Select\u2019s customer service was great, especially its user-friendly website. I didn\u2019t receive excessive phone calls from the company, which is something I\u2019ve experienced with other home warranty providers.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-add4cbc8 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-add30fc3 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Company Reputation: 8.3\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-ce02ec60\">\n<p>Select Home Warranty has solid customer reviews online with a decent B rating from the Better Business Bureau. Positive reviews stressed how polite and well-educated sales representatives are and a speedy turnaround, with one person indicating that they were told Select had a 48-hour turnaround, but they ended up hearing back within 10 minutes. In contrast, most negative reviews pointed out problems with low reimbursement rates, claim fulfillment, and technicians who aren\u2019t competent or were challenging to work with, which can impact your overall experience.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Rating Site<\/em><\/td>\n<td><em>Rating<\/em><\/td>\n<td><em>Number of Reviews<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>BBB<\/em><\/td>\n<td><em>B<\/em><\/td>\n<td><em>Customer Reviews are not used in the calculation of BBB Rating<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>3.8<\/em><\/td>\n<td><em>4,678<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td><em>1.0<\/em><\/td>\n<td><em>2<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The ratings provided were accurate at the time of writing.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-221dc5ee gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-0f5ea509 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Claims Process: 9.2\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-aef9d827\">\n<p>Like most home warranty providers, Select allows you to submit claims online through its portal or over the phone with a customer service representative. After submission, Select will schedule an appointment for a technician to come by and assess your appliance or home system. Customers report a standard 48-hour wait time for non-emergency claims, but many noted that they heard back within the same day, indicating an above-average response time.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-6ecea68e gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-1f272123 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Availability: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-a132b31c\">\n<p>Select Home Warranty has excellent availability with coverage offered in all 50 states and the District of Columbia. This provider has received widely positive reviews, giving me a lot of trust in its ability to take care of customers throughout the nation.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-headline gb-headline-a8855787 gb-headline-text provider-box\"><a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/select-home-warranty\/\">Read our full Select Home Warranty review<\/a><\/div>\n<\/div>\n<div class=\"gb-container gb-container-3ac2d001\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-12769c97\">\n<div class=\"gb-grid-column gb-grid-column-684ffa0e\">\n<div class=\"gb-container gb-container-684ffa0e\">\n<p>Best Customer Ratings<\/p>\n<h3 class=\"gb-headline gb-headline-fdb201a8 gb-headline-text\">Elite Home Warranty<\/h3>\n<p class=\"gb-headline gb-headline-d9279fb5 gb-headline-text\">4.3<\/p>\n<p class=\"gb-headline gb-headline-1a2b7e41 gb-headline-text\">Our Rating<\/p>\n<div class=\"gb-container gb-container-80127500 border-dash\">\n<p><strong>Limited Time:<\/strong> <\/p>\n<p>$150 Off + 1 Month Free<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-553a17e0 gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-2db3478f gb-button-text gb-tabs__button gb-block-is-current\">What I Like<\/button><\/p>\n<p><button class=\"gb-button gb-button-3084f7c8 gb-button-text gb-tabs__button\">What I Don\u2019t Like<\/button><\/p>\n<div class=\"gb-container gb-container-7c56575d gb-tabs__items\">\n<div class=\"gb-container gb-container-0713fd08 gb-tabs__item gb-tabs__item-open\">\n<p>This BBB-accredited provider has an A+ rating from the Better Business Bureau and over 4.5-star ratings from other reputable review websites (a number I\u2019ve yet to see other companies boast). As an example, American Home Shield has many one and two-star average ratings from the same review websites, giving me a lot more faith in Elite\u2019s customer service process and claim fulfillment.\u00a0 Plus, I like its high coverage caps of up to $6,000 for appliances and up to $10,000 for home systems \u2014 both of these figures are significantly higher than average coverage caps of $2,000 to $3,000 and will actually cover the cost of replacing many common appliances.<\/p>\n<\/div>\n<div class=\"gb-container gb-container-f1aca5f0 gb-tabs__item\">\n<p>Elite Home Warranty doesn\u2019t offer emergency services without an additional fee, which many providers don\u2019t charge extra for. We all know that appliances and things tend to break down at the most inopportune times, so this is something to consider when making your final decision. Another con is Elite excludes commercial-grade appliances, which, depending on your home, might be a dealbreaker for you.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-b1635862 gb-accordion\" data-accordion-multiple-open=\"\">\n<div class=\"gb-container gb-container-f1a175fc gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-12c25c6f gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Bottom Line: 8.6\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-0e8842fb\">\n<p>With up to three to five times more coverage amounts on appliances and systems than standard home warranties, Elite Home Warranty brings significant value to anyone concerned about hitting a coverage cap (the most a provider will pay out) or homes with luxury appliances and systems that will cost more to replace. Its three plans are comprehensive, with up to $10,000 in coverage for home systems depending on the plan, which is practically unheard of in this industry. For example, many companies only offer a $3,000 coverage cap for your HVAC system, which isn\u2019t enough for a full replacement in most cases. Select Home Warranty even caps out at $500 for some items like plumbing and electrical systems, which, again, isn\u2019t enough to cover most significant repairs or a replacement.\u00a0<\/p>\n<p>The downside to Elite is its lack of emergency services unless you pay an additional fee. However, its high customer service ratings, BBB-accreditation, and comprehensive plans (especially its Elite Complete plan, which covers appliances and home systems) feel like enough to make up for this downside.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-7d9386f8 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-dfb3b61e gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Plans and Coverage: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-74518814\">\n<p>Elite has a perfect score in this category for good reason. Its three plan options are the definition of comprehensive, with appliances covered up to $6,000 and home systems covered up to $10,000. I want to stress how unusually high these coverage caps are, as most providers only offer $2,000 to $3,000 coverage caps (like Liberty Home Shield), meaning that Elite gives you anywhere from three to five times more coverage than the industry standard.\u00a0<\/p>\n<p>During my secret shopping, I received a great $150 sign-up discount and a 30-day free trial, which indicates that Elite is confident enough in its services and your satisfaction to offer a trial period without fear of customers canceling after signing up.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Plan<\/em><\/td>\n<td><em>Monthly Cost<\/em><\/td>\n<td><em>Service Fee<\/em><\/td>\n<td><em>Available Discounts<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Elite Appliance<\/em><\/td>\n<td><em>$44.99<\/em><\/td>\n<td><em>$100<\/em><\/td>\n<td><em>$150 sign up, 30-day free Trial (phone)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Elite Systems<\/em><\/td>\n<td><em>$49.99<\/em><\/td>\n<td><em>$100<\/em><\/td>\n<td><em>$150 sign up, 30-day free trial (phone)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Elite Complete<\/em><\/td>\n<td><em>$59.99<\/em><\/td>\n<td><em>$100<\/em><\/td>\n<td><em>$150 sign up, 30-day free trial (phone)<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Miami. The cost data presented was accurate at the time of writing.\u00a0<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>Next to Liberty Home Guard, Elite offers some of the most extensive and comprehensive add-ons in the industry. While not inexpensive, the coverage you\u2019re receiving is extensive, so this may be a strong option for you if you\u2019re looking for that extra peace of mind. Note that Elite prices its add-ons annually.<\/p>\n<ul>\n<li>Attic exhaust fan: $69.99\/year<\/li>\n<li>Central vacuum: $49.00\/year<\/li>\n<li>Effluent pump: $99.99\/year<\/li>\n<li>Ejector pump: $99.99\/year<\/li>\n<li>Freestanding freezer: $59.99\/year<\/li>\n<li>Freestanding ice maker: $59.99\/year<\/li>\n<li>Freestanding spa equipment: $119.99\/year<\/li>\n<li>Generator: $99.99\/year<\/li>\n<li>Geothermal heating and cooling system: $299.99\/year<\/li>\n<li>Grinder pump: $99.99\/year<\/li>\n<li>Guest house: $299.99\/year<\/li>\n<li>HVAC annual maintenance: $299.99\/year<\/li>\n<li>Jetted\/hot tub: $99.99\/year<\/li>\n<li>Lawn sprinkler system: $99.99\/year<\/li>\n<li>Lift pump: $99.99\/year<\/li>\n<li>Limited roof leak repair: $99.99\/year<\/li>\n<li>Pool &amp; spa equipment: $199.99\/year<\/li>\n<li>Pool equipment: $149.99\/year<\/li>\n<li>Premium appliances: $249.99\/year<\/li>\n<li>Premium benefits: $199.99\/year<\/li>\n<li>Premium systems: $299.99\/year<\/li>\n<li>Premium systems Plus: $499.99\/year<\/li>\n<li>Septic system: $129.99\/year<\/li>\n<li>Service lines: $349.99\/year<\/li>\n<li>Sump pump: $99.99\/year<\/li>\n<li>Swamp cooler: $149.99\/year<\/li>\n<li>Water filtration System: $99.99\/year<\/li>\n<li>Water softener: $99.99\/year<\/li>\n<li>Well pump: $99.99\/year<\/li>\n<li>Wine cooler: $69.99\/year<\/li>\n<\/ul>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>Like all providers, Elite has some exclusions. Its exclusions are pretty standard and don\u2019t give me pause.\u00a0<\/p>\n<ul>\n<li>Natural disaster-related damages<\/li>\n<li>Acts of God<\/li>\n<li>Commercial-grade appliances\u00a0<\/li>\n<li>Units in a rental property<\/li>\n<li>Cosmetic damage<\/li>\n<li>A lack of maintenance<\/li>\n<\/ul>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-dba9b377 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-fbb0cf26 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Affordability: 8.7\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-ea2257a6\">\n<p>Elite Home Warranty offers very comprehensive plans at pricing typical to the industry. While it\u2019s not the least expensive option, Elite\u2019s high coverage of up to $6,000 for appliances and $10,000 for home systems like your AC gives you a massive value for your money that I find worthwhile. Its add-ons are also reasonably priced (especially for the coverage you\u2019ll receive), typically costing between $15 and $20 per month.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-d2c24bd4 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-2836b661 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Customer Experience: 7.6\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-521ad2bb\">\n<p>Customer reviews praised Elite for not having pushy salespeople. When they said \u201cno\u201d to an offer, that was it.\u00a0 As someone who doesn\u2019t love pushing back against a salesperson, this is extremely important. Many even noted that they didn\u2019t experience a massive wave of phone calls, texts, or emails after requesting an initial quote, which echoed my own experience and was a nice change of pace after dealing with providers that flooded my phone after I received a quote.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-659497ec gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-e451ec09 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Company Reputation: 8.3\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-725842e6\">\n<p>Above all else, Elite shines for its amazing customer reputation and service. I\u2019ve never seen a company with such high reviews (over 4.5 stars on all major review websites) <em>and <\/em>an A+ rating and accreditation from the Better Business Bureau. On top of that, Elite has only received three complaints on the Better Business Bureau, which is much better than other providers (like American Home Shield), which have thousands of complaints. The positive reviews were too many to count, but they primarily focused on excellent customer service, non-pushy sales tactics, and top-notch claim fulfillment that left clients much more satisfied compared to their experiences with previous home warranty providers.<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Rating Site<\/em><\/td>\n<td><em>Rating<\/em><\/td>\n<td><em>Number of Reviews<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>BBB<\/em><\/td>\n<td><em>A+<\/em><\/td>\n<td><em>Customer Reviews are not used in the calculation of BBB Rating<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>4.7<\/em><\/td>\n<td><em>55<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td><em>4.8<\/em><\/td>\n<td><em>4<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The ratings provided were accurate at the time of writing.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-5a4a43ba gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-9e3472b4 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Claims Process: 6.8\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-3f1dc91a\">\n<p>Elite\u2019s claim process is rated lower than other providers on this list because it doesn\u2019t provide emergency services without an extra fee. In other words, if your AC breaks down on a hot, humid Florida day, you won\u2019t be able to get immediate service after-hours unless you pay an additional fee. While I\u2019m glad emergency services are still available, this is a letdown. Otherwise, the company offers 24\/7\/365 availability for claims and several ways to file a claim, so it\u2019s pretty standard in this area.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-d9945faa gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-bf4a9cb0 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Availability: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-baa70636\">\n<p>Elite provides coverage in 47 states. It excludes Texas, California, Washington, and the District of Columbia. This is overall excellent availability and demonstrates this provider\u2019s reliability in serving customers throughout the country.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Calculate the Cost of Florida Home Warranty<\/h2>\n<p>Use the following Home Warranty Calculator to receive an estimate of how much your Florida home warranty will cost yearly based on the service fee, monthly premium, and number of visits.\n<\/p>\n<div class=\"hw-calc\">\n<div class=\"hw-calculator-tho\">\n<div class=\"container\">\n<table>\n<tr>\n<th>Appliance<\/th>\n<th>Average Repair Cost<\/th>\n<th>Average Replacement Cost<\/th>\n<\/tr>\n<tr>\n<td>Dehumidifier<\/td>\n<td>$50\u2013$200<\/td>\n<td>$1,300\u2013$2,800<\/td>\n<\/tr>\n<tr>\n<td>Microwave<\/td>\n<td>$50\u2013$400<\/td>\n<td>$60\u2013$2,000<\/td>\n<\/tr>\n<tr>\n<td>Dishwasher<\/td>\n<td>$50\u2013$500<\/td>\n<td>$400\u2013$3,000<\/td>\n<\/tr>\n<tr>\n<td>Exhaust Fans<\/td>\n<td>$16\u2013$300<\/td>\n<td>$250\u2013$950<\/td>\n<\/tr>\n<tr>\n<td>Electric Range<\/td>\n<td>$100\u2013$500<\/td>\n<td>$230\u2013$3,000<\/td>\n<\/tr>\n<tr>\n<td>Gas Range<\/td>\n<td>$100\u2013$500<\/td>\n<td>$230\u2013$3,000<\/td>\n<\/tr>\n<tr>\n<td>Dryer<\/td>\n<td>$100\u2013$400<\/td>\n<td>$450\u2013$2,300<\/td>\n<\/tr>\n<tr>\n<td>Oven<\/td>\n<td>$100\u2013$430<\/td>\n<td>$400\u2013$3,000<\/td>\n<\/tr>\n<tr>\n<td>Washer<\/td>\n<td>$50\u2013$450<\/td>\n<td>$400\u2013$2,300<\/td>\n<\/tr>\n<tr>\n<td>Freezer<\/td>\n<td>$90\u2013$500<\/td>\n<td>$160\u2013$2,900<\/td>\n<\/tr>\n<tr>\n<td>Refrigerator<\/td>\n<td>$40\u2013$350<\/td>\n<td>$200\u2013$5,000<\/td>\n<\/tr>\n<\/table><\/div>\n<\/div>\n<\/div>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Florida Home Warranty Regulations<\/h2>\n<p>Like most states, Florida doesn\u2019t require homeowners to have a home warranty. A home warranty is nice to have for its additional coverage, but not required by the Sunshine State. However, there are a few regulations that you\u2019ll want to note.\u00a0<\/p>\n<p>A key <a href=\"https:\/\/flsenate.gov\/Laws\/Statutes\/2019\/0634.346\">Florida home warranty coverage requirement <\/a>is that Florida home warranties may not exclude coverage because of rust or corrosion unless it\u2019s the cause of the mechanical breakdown or failure of a unit, system, or covered appliance. Another requirement is home warranty contracts with HVAC system coverage need to be disclosed in boldfaced type when the contract doesn\u2019t cover HVAC system functional component replacement for reasons of efficiency or compatibility requirements of the manufacturer. The option to purchase coverage for the functional components must be provided.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\" id=\"h-florida-home-warranty-news\">Florida Home Warranty News<\/h2>\n<p>While not a lawsuit, American Home Shield received some heat from <a href=\"https:\/\/www.abcactionnews.com\/money\/consumer\/taking-action-for-you\/home-warranty-companies-may-fail-to-pay-for-appliance-and-ac-repairs\">ABC Action News<\/a> when they reported a denied claim over AC repairs during the hottest month on Florida record in 2023. According to the article, the AC unit should have been covered up to $5,000 for repairs.\u00a0<\/p>\n<p>While American Home Shield sent a technician two days later, the AC system broke down a second time a mere four hours after the tech left. Then, American Home Shield denied the claim for this breakdown, stating that an outside force caused the damage, which isn\u2019t covered. Unfortunately, this left the couple without air conditioning during blazing hot weather. Since then, American Home Shield has covered the repairs and refunded the couple $125 for the service call fee, but this is disconcerting news surrounding the company. However, I didn\u2019t find other complaints regarding American Home Shield in Florida, so I\u2019m hopeful that this is a one-off incident.\u00a0<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<div id=\"hm-faq-block_a004b1e734b8c6d1fdc4bef17fec1d2a 1\" class=\"hm-faq hm-faq--two-column\">\n<h2 class=\"hm-faq__title \" data-toc-text=\"Frequently Asked Questions\">Frequently Asked Questions<\/h2>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n                        Do You Need a Home Warranty in Florida?                    <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">You don\u2019t legally need a home warranty in Florida. However, having a home warranty can provide you with extra financial protection and peace of mind when your appliances or home systems break down, especially during the extremely hot Florida weather, which is notoriously hard on many appliances like your AC unit. <\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n                        How Much Does a Home Warranty Cost in Florida?                    <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">The average cost of a home warranty in Florida is $1,100 per year, with premiums usually costing $200 to $1,200 per year and the average service fee costing between $75 and $125. For more information about what impacts home warranty cost, read our article for an in-depth look at what <\/span><a href=\"https:\/\/todayshomeowner.com\/home-finances\/cost\/home-warranty-cost\/\"><span style=\"font-weight: 400;\">factors impact home warranty cost.<\/span><\/a><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n                        How Can You Save Money When Shopping for Home Warranties In Florida?                    <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">Homeowners can save money when shopping for home warranties in Florida by collecting quotes from at least three home warranty providers. From there, call and speak with an agent to negotiate a lower rate, ask about discounts, and adjust your service fee to reduce the cost of your monthly premium. <\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n                        Is a Home Warranty Worth It for Florida Homeowners?                    <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">A home warranty is worth it for Florida homeowners if you can\u2019t pay for large out-of-pocket appliance or home system repairs or replacements, such as replacing an appliance, which can cost anywhere from<\/span> <span style=\"font-weight: 400;\">$350 to $8,000 on average. For most homeowners (unless you have all brand new appliances with current manufacturer\u2019s warranties), <\/span><a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/are-home-warranties-worth-it\/\"><span style=\"font-weight: 400;\">a home warranty is worth it<\/span><\/a><span style=\"font-weight: 400;\"> for this peace of mind. <\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n                    <\/div>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h4 class=\"wp-block-heading\" id=\"h-other-resources-for-florida-homeowners\">Other Resources for Florida Homeowners<\/h4>\n<h4 class=\"wp-block-heading\" id=\"h-best-home-warranties-by-state\">Best Home Warranties by State<\/h4>\n<figure class=\"wp-block-th-3s-custom-blocks-table-container thcb-table thcb-table_58hZ7jNxtQub\"\/>\n\t\t<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>The Sunshine State and citrus capital of the United States is known for its warm weather, high humidity, and frequent downpours. So, it\u2019s not surprising that many Florida homeowners want protection should their AC unit die in the middle of the summer or when their roof starts leaking after heavy rain. A home warranty helps [&hellip;]<\/p>\n","protected":false},"author":254,"featured_media":10044,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[124],"tags":[],"class_list":["post-10043","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-improvement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Best Home Warranty Companies in Florida | Unlock Informed Choices with Us<\/title>\n<meta name=\"description\" content=\"These are the best home warranty companies in Florida, including a breakdown of pros and cons, costs, plans, and more for all my top provider picks.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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