{"id":10677,"date":"2024-04-23T04:20:51","date_gmt":"2024-04-23T04:20:51","guid":{"rendered":"https:\/\/topat10.com\/?p=10677"},"modified":"2024-04-23T04:20:51","modified_gmt":"2024-04-23T04:20:51","slug":"top-5-best-home-warranty-companies-for-hvac","status":"publish","type":"post","link":"https:\/\/topat10.com\/?p=10677","title":{"rendered":"Top 5 Best Home Warranty Companies for HVAC"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div itemprop=\"text\">\n<p>HVAC systems are some of the most expensive systems you\u2019ll ever buy, and they\u2019re responsible for regulating the temperature throughout your entire house. While most appliances in your home cost under $1,000 to replace, HVAC systems can cost upwards of $10,000, so if something malfunctions and you need to replace your heater or air conditioner, that\u2019s a lot of money to drop at once. That\u2019s where home warranties come into play. Instead of draining your savings, you can pay a lower monthly fee to cover your most crucial home systems (like HVAC) and appliances in case a disaster strikes. These home warranty policies always have some risk since there\u2019s a chance that your specific malfunction may not be covered according to your provider\u2019s exclusions, but with the right company and coverage, home warranties can be extremely beneficial.<\/p>\n<p>I\u2019ve researched the <a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/best-home-warranty\/\">best home warranty companies<\/a> for HVAC and used Today\u2019s Homeowner\u2019s specific review criteria to rank these providers. While secret shopping, I\u2019ve gotten warranty quotes from all companies for a two-bedroom home in Philadelphia, thoroughly reviewed sample contracts, and scoured the internet to find the most accurate customer reviews. I\u2019ve ranked each company according to their plans, coverage, affordability, reputation, customer service, and more. Read on to see what these companies have to offer and how they stack up against the competition.<\/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 12.3821421,23.2649074 L12.3780323,23.275831 L12.360941,23.7031097 L12.3658947,23.7234994 L12.3769048,23.7357139 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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\" 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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 L12.6498822,23.2499052 L12.6498822,23.2499052 L12.6471943,23.2611114 L12.6650943,23.6906389 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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 Home Warranty Companies<\/h2>\n<section id=\"th-subscribe-block_e3b0d15215ba2ffa0a03a83cb0eee6a3\" 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>While Liberty Home Guard is the most well-rounded home warranty provider in my book, American Home Shield is the best bargain for HVAC-specific coverage. American Home Shield has systems-only plans with $5,000 coverage limits for HVAC that start at just $17.49 a month, which is unbeatable in the industry. Most companies don\u2019t offer anything below $20 or $30 a month at the absolute minimum (and even then, most can\u2019t match AHS\u2019s coverage limits), so no other provider even comes close to AHS\u2019s HVAC coverage.<\/li>\n<li>Coverage limits are the maximum payout you\u2019ll get when submitting a claim for a covered item, but that doesn\u2019t mean you\u2019re guaranteed to get the entire amount. Even if you do, it may not be enough to cover an entire new heating or air conditioning system, which can cost upwards of $10,000 in some cases. Before purchasing a policy, always read the entire sample contract, especially the exclusions and coverage limits. I can\u2019t stress this enough. There are always catches in the fine print, and home warranty providers will use them to their advantage, so be sure to read carefully.<\/li>\n<li>Home warranties have a reputation for being scams, and to be completely transparent, there\u2019s always some risk involved with buying a policy. Home warranty contracts are full of legal loopholes that are designed to safeguard the company so they don\u2019t end up paying for repairs that will lose them money. Still, they can be very beneficial to homeowners, especially for pricier home systems like HVAC. If you\u2019re feeling cautious about purchasing a policy, it\u2019s better to wait it out and do your fair share of research first. <\/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>My top choice for an HVAC home warranty is American Home Shield due to its impressive coverage limits. AHS offers $5,000 HVAC limits on all three of their plans, which is an incredible bargain, considering most competitors only go up to $4,000 on their most expensive plan. For only $17.49 a month, you can get $5,000 worth of HVAC coverage with the ShieldSilver plan from American Home Shield. Getting coverage limits like this for such an affordable, systems-only plan is basically unheard of, so this is an extremely cost-effective deal for HVAC coverage. I have my fair share of concerns when it comes to AHS\u2019s reliability, which is why I would choose Liberty Home Guard as an alternate. But, in terms of the coverage limits you get for the money, no one else comes close to American Home Shield.<\/p>\n<p>As a second alternative, I\u2019d choose First American Home Warranty. They\u2019re not available in every state, but they don\u2019t have any predetermined coverage limits for HVAC systems. This means that if one of your HVAC systems malfunctions and they can\u2019t repair it, they\u2019ll replace the whole thing, no matter what it costs. The monthly price is higher, but if you want to make sure you\u2019re covered in case you need a full replacement, First American is the way to go.<\/p>\n<p>Are you curious to learn more about <a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/what-is-a-home-warranty\/\">what a home warranty is and how it works?<\/a> If so, watch the video below from my favorite HVAC home warranty company.<\/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=\"What is a Home Warranty? A Guide by American Home Shield | AHS\" width=\"1170\" height=\"658\" src=\"https:\/\/www.youtube.com\/embed\/t7xPhGEiz1o?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<p><\/noscript>\n<\/div>\n<\/figure>\n<section id=\"th-tips-block_b1d0467c565c67e759016732f27a24bc\" class=\"th-block th-tips\" style=\"color: ; background-color: ;\">\n<div class=\"thTipsContainer\">\n<p>Today\u2019s Homeowner Tips<\/p>\n<p>            My top choice for an HVAC home warranty is American Home Shield due to its impressive coverage limits.         <\/p><\/div>\n<\/section>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h3 class=\"wp-block-heading\">Home Warranty Companies for HVAC I Didn\u2019t Include<\/h3>\n<p>I initially wanted to include <a href=\"https:\/\/www.selecthomewarranty.com\/\">Select Home Warranty<\/a> on my list of the best HVAC home warranty providers because they\u2019re normally one of my top choices, but their HVAC coverage limits aren\u2019t as impressive as the competition. Select has very affordable rates, especially for their comprehensive coverage (under $50), but their HVAC limits are only $3,000. This coverage cap isn\u2019t terrible, but many other providers offer up to $4,000 for HVAC coverage. While Select is usually one of my top choices for a home warranty, if you\u2019re looking for the best HVAC coverage, there are better options out there.<\/p>\n<p>Additionally, I didn\u2019t include Choice Home Warranty on my list because they\u2019re currently subject to a <a href=\"https:\/\/www.azag.gov\/press-release\/ag-brnovich-files-consumer-fraud-lawsuit-against-home-warranty-company\">class-action lawsuit filed by the Arizona Attorney General\u2019s Office in 2019<\/a>, and they\u2019re under investigation in <a href=\"https:\/\/nj.gov\/oag\/newsreleases15\/pr20150615b.html\">New Jersey<\/a> and <a href=\"https:\/\/www.youtube.com\/watch?v=iHKOEjWmLxc\">Oklahoma<\/a> for unlicensed activity. They were initially one of my top choices because of their guarantee that they\u2019ll request a service technician within four hours of when you submit a claim, which is extremely helpful for situations where your HVAC systems malfunction and you need a quick fix. Instead, given the circumstances, I recommend that all readers avoid Choice Home Warranty until they resolve their issues.<\/p>\n<section id=\"th-tips-block_ea52ec794e6eb982b10dfb3472b1950c\" class=\"th-block th-tips\" style=\"color: ; background-color: ;\">\n<div class=\"thTipsContainer\">\n<p>Today\u2019s Homeowner Tips<\/p>\n<p>Be sure to shop around and get multiple quotes from different home warranty providers before purchasing. Many companies have some hidden pricing flexibility, so I always recommend calling a representative first to see if you can get an unadvertised deal.<\/p>\n<\/p><\/div>\n<\/section>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\" id=\"h-compare-the-highest-rated-home-warranties-for-hvac\" data-toc-text=\"Compare Best Home Warranty Companies\">Compare The Highest Rated Home Warranties for HVAC<\/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-for-hvac\">Our Reviews of the Best Home Warranties for HVAC<\/h2>\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>My favorite thing about American Home Shield is that all three of their plans cover HVAC with $5,000 coverage limits, meaning that you can spend less than $20 a month and still get better HVAC coverage than most competitors\u2019 top-tier plans (Liberty Home Guard only offers up to $2,000 per item on their comprehensive plan). AHS\u2019s SheildSilver plan is also the most affordable on our list at $17.49, which is a total bargain for a plan that covers all your home\u2019s major systems. They offer $4,000 appliance limits on their ShieldPlatinum plan, so it\u2019s worth the upgrade ($67.49 a month) if you have expensive appliances you want to be covered.<\/p>\n<\/div>\n<div class=\"gb-container gb-container-5fca56db gb-tabs__item\">\n<p>American Home Shield has more negative reviews than much of the competition, and their spotty positive reviews don\u2019t make it easy to determine how well the company performs as a whole. AHS has the lowest customer reputation score on our list, and a lot of that is due to their inconsistent reviews and complaints of denied claims. Additionally, AHS\u2019s prices are inconsistent from state to state, sometimes rising by as much as $40 in expensive areas. Since AHS varies so much in their prices and reviews, they don\u2019t strike me as a particularly reliable company.<\/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>American Home Shield ranks second best when it comes to their overall score, but they\u2019re still my number one choice for HVAC coverage because of their high coverage limits. American Home Shield offers $5,000 HVAC limits on all three of their plans, which means you can get your expensive heating and air conditioning systems covered for as low as $17.49 a month with the ShieldSilver plan. If you want to cover more than just your home systems, the ShieldGold plan covers most major home appliances as well for only $30 a month (with AHS\u2019s limited-time promotion), so it\u2019s my top pick for a plan from AHS.<\/p>\n<p>Unlike most other companies, American Home Shield covers undetectable preexisting conditions, rust, and corrosion, which is a huge benefit to homeowners. Rust and corrosion can be big problems for outdoor air conditioning units, so you have a better chance of getting your HVAC claims covered because AHS covers those damages. AHS\u2019s mixed reviews are their major downside since it makes it hard to trust a company when there\u2019s so much conflicting information.\u00a0 Still, AHS has some of the highest HVAC coverage limits in the industry, so they\u2019re worth considering if you want the best payouts.<\/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 offers three straightforward plans, all of which offer HVAC coverage with $5,000 coverage limits. The ShieldSilver plan starts at only $17.49 in Philadelphia, making it the most affordable HVAC home warranty on our list. However, the Shield Gold plan is $30 a month (with the 40% online discount) and covers most major home systems and appliances, so it\u2019s a great choice if you\u2019re looking to cover more than just HVAC.<\/p>\n<p>The ShieldPlatinum plan is especially pricey at $67.49 a month, but it covers 23 key home systems and appliances. It even includes unlimited AC refrigerant, going above and beyond the norm for HVAC coverage. American Home Shield only offers six add-ons, which is the lowest amount on our list, but considering their affordable rates and coverage limits, they\u2019re still the best home warranty for HVAC.<\/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>$17.49<\/em><\/td>\n<td><em>$125<\/em><\/td>\n<td><em>None offered<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>ShieldGold<\/em><\/td>\n<td><em>$30.00<\/em><\/td>\n<td><em>$125<\/em><\/td>\n<td><em>40% off ShieldGold<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>ShieldPlatinum<\/em><\/td>\n<td><em>$67.49<\/em><\/td>\n<td><em>$125<\/em><\/td>\n<td><em>None offered<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>*Monthly cost figures provided include a discounted rate offered at the time of writing. AHS has been running this promotion since last year.<\/em><\/p>\n<p><em>**AHS offers two service fee choices: $100 or $125. The monthly costs shown in the table above are for a $125 service fee. Choosing the $100 option will raise your monthly rate.<\/em><\/p>\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 Philadelphia, PA. The cost data presented was accurate at the time of writing.<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<ul>\n<li>Electronics protection plan (all plans): $14\/mo<\/li>\n<li>Guest unit (all plans): $6.99\/mo<\/li>\n<li>Pool and built-in spa equipment (all plans): $18\/mo<\/li>\n<li>Roof leak repair limit (included in the ShieldPlatinum plan but available as an add-on for others): $10\/mo<\/li>\n<li>Septic pump (all plans): $5.00\/mo<\/li>\n<li>Well pump (all plans): $8.00\/mo<\/li>\n<\/ul>\n<p>American Home Shield only offers a few add-ons, but the electronics protection plan is a very rare option. It protects an unlimited amount of smart devices, but it\u2019s pretty expensive at $14\/month, so be sure to <a href=\"https:\/\/www.ahs.com\/contracts\/\">read a sample contract<\/a> to see if it would be worth it for your situation.<\/p>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<ul>\n<li>Acts beyond our control (earthquake, storms, mud, fire, etc.)<\/li>\n<li>Flues, chimneys, fireplaces, and exhaust lines<\/li>\n<li>Hazardous materials\u00a0<\/li>\n<li>Improper capacity<\/li>\n<li>Items covered by other insurance or warranty<\/li>\n<li>Known preexisting breakdown\u00a0<\/li>\n<li>Manufacturer or government recalls<\/li>\n<li>Misuse or accidental acts<\/li>\n<li>Multimedia centers<\/li>\n<li>Outdoor kitchens<\/li>\n<li>Power and fuel sources<\/li>\n<li>Routine maintenance<\/li>\n<li>Smart home systems<\/li>\n<li>Special systems (radon mitigation systems, gas detection systems, etc.)<\/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 is the <a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/cheapest-home-warranty\/\">cheapest home warranty provider<\/a> on our list, but AHS\u2019s prices vary exorbitantly based on your location. The ShieldSilver plan can get as low as $7.49 a month and as high as $67.49 a month in certain areas, depending on AHS\u2019s promotional deals.<\/p>\n<p>For example, on April 9, 2024, when I obtained both quotes, American Home Shield had rates as low as $17.49 in Philadelphia, making them the cheapest home warranty for HVAC on this list. But, in Stamford, CT, that same plan jumped up to $47.49 a month.<\/p>\n<p>Here\u2019s my quote in Philadelphia:<\/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\/5OBO0fEioNXZ4mWLRsZ7H8UZyDWHdPrbimbgYcwEudX1REIGw87ZfZPNYX2DsI2TBvA65jMZ5l8s1w3xFaIjx2HIiBbGqcqOSgO5yu-I4S00glMhTdsTeii66_5XnH96y6sk1FQNW614JjoGK4nxlZI\"\/><noscript><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/lh7-us.googleusercontent.com\/5OBO0fEioNXZ4mWLRsZ7H8UZyDWHdPrbimbgYcwEudX1REIGw87ZfZPNYX2DsI2TBvA65jMZ5l8s1w3xFaIjx2HIiBbGqcqOSgO5yu-I4S00glMhTdsTeii66_5XnH96y6sk1FQNW614JjoGK4nxlZI\" class=\"lazyload\" alt=\"\"\/><\/noscript><\/figure>\n<p>Here\u2019s my quote in Stamford:<\/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\/jxi7QuEBf74RCcSHVwKe4gTw8-RRDl_csP2UZFdKQZxDSAI9lfDpM-toDgHDn6l7NVRwCIN7I9CNVpfZEAND9K1tRG92_ez33f8IPJIxhkPTpPBjK5xrBXvlQQtcUVnCtDkuAQMO1KvYumuouHBcO7A\"\/><noscript><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/lh7-us.googleusercontent.com\/jxi7QuEBf74RCcSHVwKe4gTw8-RRDl_csP2UZFdKQZxDSAI9lfDpM-toDgHDn6l7NVRwCIN7I9CNVpfZEAND9K1tRG92_ez33f8IPJIxhkPTpPBjK5xrBXvlQQtcUVnCtDkuAQMO1KvYumuouHBcO7A\" class=\"lazyload\" alt=\"\"\/><\/noscript><\/figure>\n<p>Still, in Philadelphia, the ShieldGold plan is a great deal at only $30 a month with AHS\u2019s 40% off promotion, so I highly recommend readers consider that plan. However, if you\u2019re only interested in HVAC coverage, all three plans offer HVAC coverage with $5,000 coverage caps, so the ShieldSilver plan is an even better bargain at $17.49.<\/p>\n<p>Be sure to read the <a href=\"https:\/\/4bbdwp2p.media.zestyio.com\/AHS-DTC-Texas-March-2023-v6.pdf\">entire American Home Shield sample contract<\/a> for special notes that may affect your overall rate or payout.<\/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>American Home Shield may not have the best customer reviews, but one area where they excel is their response to customer complaints. AHS representatives commented on almost every online complaint I saw during my research, and there were a lot. One of their responses on Google said:<\/p>\n<p><em>\u201cThank you for the feedback. We\u2019d like to apologize for not meeting your expectations. Do you still need assistance with an open claim? If so, please email us at socialmedia@ahs.com with your name, full property address, and the claim number. We\u2019ll be happy to investigate this further.\u201d<\/em><\/p>\n<p>On Trustpilot, their response is similar:<\/p>\n<p><em>\u201cI\u2019m so sorry for the problems you\u2019ve been experiencing. Please reach out to us at trustpilot@ahs.com so we can discuss this further.\u201d<\/em><\/p>\n<p>Even though AHS\u2019s customers have varying opinions on their performance, these responses show that the company wants their customers to be happy and is willing to make things right. Because of their work to resolve these issues, we gave AHS an 8.4.<\/p>\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>American Home Shield has the lowest company reputation score on our list (the only company with a score in the 7s), mainly because of their inconsistent reviews. AHS has the most widely varied reviews out of every company on this list, so it\u2019s hard to gauge how well they actually perform in real circumstances. Customers are split in their experiences.<\/p>\n<p>One reviewer said:<\/p>\n<p><em>\u201cI\u2019ve been having significant issues with AHS and feel like their services are a scam. I\u2019ve talked to several people, and no one can clearly articulate what my policy does and doesn\u2019t cover and what I can expect to be out of pocket. They also tried to assign an HVAC company to fix my boiler whom I can\u2019t see anything online about \u2014 it appears the company doesn\u2019t even exist.\u201d<\/em><\/p>\n<p>Another said:<\/p>\n<p><em>\u201cAll they do is take your money and charge you extra in order to send some incompetent technician out that will destroy your appliances instead of fixing them.\u201d<\/em><\/p>\n<p>On the other hand, AHS commonly receives praise for its high payouts. One customer said:<\/p>\n<p><em>\u201cThis past year, six major items in my home had issues. Four of the appliances were replaced at no cost to me. The remaining two were costly repairs, of which AHS paid a large amount \u2026 Overall, I have no complaints.\u201d<\/em><\/p>\n<p>Another said:<\/p>\n<p><em>\u201cWhen the stove panel on my stove at my vacation home was discontinued, they provided me a new comparable stove at no cost. I am extremely pleased with the outstanding support I\u2019ve received from this company!\u201d<\/em><\/p>\n<p>American Home Shield reviews are hard to follow toward any kind of consensus, but the good and bad tend to balance each other out, so we gave AHS a 7.7.<\/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 \/ 2.11 out of 5 stars<\/em><\/td>\n<td><em>11,108<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>2.1 out of 5 stars<\/em><\/td>\n<td><em>5,299<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Google<\/em><\/td>\n<td><em>4.5 out of 5 stars<\/em><\/td>\n<td><em>33,031<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td><em>1.1 out of 5 stars<\/em><\/td>\n<td><em>1,284<\/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>American Home Shield ranks in the middle of our list when it comes to their claims process score. However, AHS\u2019s biggest downfall with their claims process is their customer complaints about denied claims. One Google customer stated:<\/p>\n<p><em>\u201cI\u2019ve paid this company for 15 years and couldn\u2019t get them to replace a rusted drain pan. Their fix was to put on a temporary putty and patch the hole. I\u2019ve canceled and will be looking for another company.\u201d<\/em><\/p>\n<p>Similarly, another customer on Google complained about the claims process in general:<\/p>\n<p><em>\u201cAmerican Home Shield isn\u2019t worth the money. They take advantage of people who are looking for some level of security in their homes but don\u2019t actually fix anything major. Instead, they delay the process as long as possible, and you end up spending all your time trying to get answers.\u201d<\/em><\/p>\n<p>Still, there are plenty of reviews that mention claims being accepted. One Trustpilot reviewer said:<\/p>\n<p><em>\u201cThey\u2019ve always repaired or replaced any issue that I have ever had, no questions asked. Does it take a little while sometimes? Yes. They have to find the right parts for the job or we would be calling back the second the wrong part failed again. They\u00a0 fixed my two HVAC systems multiple times and just completely replaced one of them today.\u201d<\/em><\/p>\n<p>AHS\u2019s reviews are extremely scattered, but they have high coverage limits ($5,000 for HVAC and $4,000 for appliances) and an average response time of 48 hours, so we gave American Home Shield an 8.4.<\/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 operates in 48 states, so we gave it a perfect availability score according to our review standards.<\/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-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\u2019s main perks are their impressive online reviews and industry-best customer service. Liberty has the highest online reviews I\u2019ve seen from any home warranty company during my research, scoring 4.7 out of 5 stars on both Trustpilot and Google. Choosing a trustworthy company is important, especially in the home warranty industry, where scams are prevalent, so these positive firsthand accounts of Liberty\u2019s performance go a long way toward building trust. Liberty also offers 42 add-ons, which is more than any other competitor I\u2019ve seen. Because of Liberty\u2019s glowing reviews, helpful customer service reps, and customizable home warranty plan options, I feel comfortable saying that I have more confidence in Liberty than almost any other home warranty provider on the market.<\/p>\n<\/div>\n<div class=\"gb-container gb-container-212c2d09 gb-tabs__item\">\n<p>I only have a few problems with Liberty Home Guard, but my main one is that all covered items are limited to $2,000. This means that even expensive items like HVAC systems have a $2,000 coverage limit, which is fairly low considering many competitors offer at least $4,000 worth of HVAC coverage. Additionally, Liberty\u2019s plans start at $49.99 a month, which is pretty steep for a basic coverage plan. American Home Shield\u2019s basic plans start at $17.49 a month (depending on where you live) and have higher coverage limits for HVAC systems ($5,000), so Liberty can\u2019t compete with some competitor\u2019s HVAC coverage. Still, their overall reliability and positive customer reviews make them a solid choice.<\/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 the highest overall score of any company on our list, and for good reason. Liberty ranks so highly because of their overwhelmingly positive online reviews, hardworking customer service reps, and reasonable, consistent prices. They also offer more add-ons than any other company in the industry, which is a major benefit for homeowners who want to customize their coverage. Still, the biggest perk for me is their online reviews. Liberty has higher ratings on review sites than any other company on our list, which gives me more confidence in Liberty since most of their customers had a pleasant experience using their services.\u00a0<\/p>\n<p>On the other hand, Liberty\u2019s biggest downside is their coverage limits. They only offer $2,000 per item, which is fairly low for HVAC coverage. Liberty\u2019s biggest draw is the reliability and customizability of their services, so if you\u2019re looking for the highest coverage limits, I\u2019d look at American Home Shield instead ($5,000 HVAC limits). I recommend readers check out Liberty\u2019s Total Home Guard plan ($59.99) since it\u2019s a great bargain for full home coverage, and it\u2019s only $5 more than the Systems Guard plan. Liberty may not have the best payouts for expensive items like HVAC units, but their overall coverage is the best in the industry, so they\u2019re definitely worth considering.<\/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=\"Best Home Warranty Plans | Liberty Home Guard\" width=\"1170\" height=\"658\" src=\"https:\/\/www.youtube.com\/embed\/SyhB6cIhll8?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<p><\/noscript>\n<\/div>\n<\/figure>\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 Home Guard has the highest plans and coverage score on our list, mainly because they offer more add-on coverage options than any other competitor. Most companies only have around five or ten add-ons each, but Liberty offers 42 add-on options, making it easy to pick and choose what coverage you want. Liberty offers coverage for HVAC systems on two of their plans: the Systems Guard plan and the Total Home Guard plan. Since the Total Home Guard plan is only $5 more than the Systems Guard plan, I recommend readers spend the extra money and get fully comprehensive coverage. All covered items are limited to $2,000, so their HVAC coverage limits aren\u2019t great, but their extensive list of add-ons and straightforward plan options make up for it.<\/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>Systems Guard<\/em><\/td>\n<td><em>$54.99<\/em><\/td>\n<td><em>$65 \u2013 $125<\/em><\/td>\n<td><em>$200 off (online)<\/em><em>2 free bonus months (with annual billing)<\/em><em>Free limited roof leak protection<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Total Home Guard<\/em><\/td>\n<td><em>$59.99<\/em><\/td>\n<td><em>$65 \u2013 $125<\/em><\/td>\n<td><em>$200 off (online)<\/em><em>2\u00a0 free bonus months (with annual billing)<\/em><em>Free limited roof leak protection<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Appliance Guard<\/em><\/td>\n<td><em>$49.99<\/em><\/td>\n<td><em>$65 \u2013 $125<\/em><\/td>\n<td><em>$200 off (online)<\/em><em>2 free bonus months (with annual billing)<\/em><em>Free limited roof leak protection<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>*Liberty Home Guard\u2019s service fees range from $65 to $125 depending on where you live, the service plan you choose, and the promotional deal you get.<\/em><\/p>\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 Philadelphia, PA. The cost data presented was accurate at the time of writing.<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>The following add-ons are available for all plans:<\/p>\n<ul>\n<li>Additional spa: $9.99\/mo<\/li>\n<li>Carpet cleaning: $19.99\/mo<\/li>\n<li>Casita guest unit: $35.99\/mo<\/li>\n<li>Central vacuum: $8.99\/mo<\/li>\n<li>Ejector pump: $14.99\/mo<\/li>\n<li>Electronics protection: $19.99\/mo<\/li>\n<li>Freestanding ice maker: $14.99\/mo<\/li>\n<li>Generator: $19.99\/mo<\/li>\n<li>Grinder pump: $14.99\/mo<\/li>\n<li>Gutter cleaning: $14.99\/mo<\/li>\n<li>Ice maker (in-fridge): $3.99\/mo<\/li>\n<li>Instant hot water dispenser: $9.99\/mo<\/li>\n<li>Lawn sprinkler system: $9.99\/mo<\/li>\n<li>Lighting fixtures: $7.99\/mo<\/li>\n<li>Limited roof leak: $11.99\/mo<\/li>\n<li>Pest control: $14.99\/mo<\/li>\n<li>Plumbing fixtures: $7.99\/mo<\/li>\n<li>Pool and spa: $19.99\/mo<\/li>\n<li>Power washing (exterior flooring): $19.99\/mo<\/li>\n<li>Pro-series clothes dryer: $4.99\/mo<\/li>\n<li>Pro-series dishwasher: $7.99\/mo<\/li>\n<li>Pro-series microwave: $4.99\/mo<\/li>\n<li>Pro-series range\/oven\/cooktop: $12.99\/mo<\/li>\n<li>Pro-series refrigerator: $14.99\/mo<\/li>\n<li>Pro-series stand-alone freezer: $14.99\/mo<\/li>\n<li>Pro-series washing machine: $4.99\/mo<\/li>\n<li>Re-key: $9.99\/mo<\/li>\n<li>Reverse osmosis water filter system: $14.99\/mo<\/li>\n<li>Saltwater pool: $23.99\/mo<\/li>\n<li>Second refrigerator: $7.99\/mo<\/li>\n<li>Septic system pumping: $12.99\/mo<\/li>\n<li>Stand-alone freezer: $5.99\/mo<\/li>\n<li>Sump pump: $8.99\/mo<\/li>\n<li>Swamp cooler: $14.99\/mo<\/li>\n<li>Trash compactor: $7.49\/mo<\/li>\n<li>TV mounting (up to 65-inch TVs): $14.99\/mo<\/li>\n<li>TV mounting (up to 85-inch TVs): $19.99\/mo<\/li>\n<li>Water dispenser water line: $4.99\/mo<\/li>\n<li>Water softener: $13.99\/mo<\/li>\n<li>Well pump: $12.99\/mo<\/li>\n<li>Window washing\/cleaning: $19.99\/mo<\/li>\n<li>Wine cooler\/fridge: $11.99\/mo<\/li>\n<\/ul>\n<p>It\u2019s important to note that Liberty won\u2019t cover damage from natural disasters or secondary damage from roof leaks (mold, corrosion, etc.) since these damages can affect your HVAC systems\u2019 performance. However, the <a href=\"https:\/\/www.libertyhomeguard.com\/optional-coverage\/roof-leak-warranty-coverage\/\">roof leak coverage<\/a> will cover the source of the leak if it\u2019s caused by normal wear and tear, like weathering or old age, which can better prevent any subsequent damage to your HVAC systems.<\/p>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>The following exclusions apply to all of Liberty\u2019s plans:<\/p>\n<ul>\n<li>Any type of valve or leak<\/li>\n<li>Chimneys and exhausts<\/li>\n<li>Damage caused by improper installation<\/li>\n<li>Damage caused by natural disasters<\/li>\n<li>Damage caused by pests or mold<\/li>\n<li>Damage caused by rust or corrosion<\/li>\n<li>Disposal of old systems or appliances<\/li>\n<li>Glass parts<\/li>\n<li>Installation of systems or parts<\/li>\n<li>Known or unknown preexisting conditions<\/li>\n<li>Lighting<\/li>\n<li>Luxury or commercial-grade systems and appliances<\/li>\n<li>Poorly maintained systems or appliances<\/li>\n<li>Routine maintenance<\/li>\n<li>Solar systems<\/li>\n<li>\u201cSmart\u201d components and parts<\/li>\n<\/ul>\n<p>These exclusions are standard in the industry and match most of what I found with competitors. However, exclusions for known or unknown preexisting conditions are notorious for allowing providers to deny claims, so be wary of that.<\/p>\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>Liberty Home Guard\u2019s plans range from $49.99 to $59.99 a month, which isn\u2019t the cheapest on our list, but it\u2019s also not overly pricey. Liberty\u2019s monthly rates are very consistent throughout the entire country, which means that even if they\u2019re not the cheapest option everywhere, they may be one of the more affordable options in your area. Other companies will sometimes raise their rates by $20 to $30 a month just because they\u2019re in a different state, but Liberty\u2019s rates are the same everywhere, which is a huge perk.<\/p>\n<p>I recommend reading <a href=\"https:\/\/www.libertyhomeguard.com\/storage\/LHG-Policy.pdf\">Liberty Home Guard\u2019s sample contract<\/a> for information on cash reimbursements and replacement parts since this can increase your costs, bringing Liberty\u2019s overall affordability score down to 8.9.<\/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>Liberty only has a few drawbacks when it comes to their customer experience, which is why their customer experience score is one of their weaker points. Liberty\u2019s main drawback is their long waiting period (30 to 60 days) for your coverage to begin after you sign a contract. This means that if you have a malfunction in the first month or two, you won\u2019t be covered, and you\u2019ll have to pay out of pocket. Every other company on this list has a waiting period of 30 days, so it\u2019s a shame that Liberty won\u2019t shorten theirs to match them. Liberty also calls potential customers frequently after they put in their information for a quote, which can come across as aggressively \u201csales-y.\u201d While these issues are common in the home warranty industry, they\u2019re also some of the only downsides that Liberty has, so we gave them a 7.8 out of 10.<\/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 has the highest company reputation score on our list at 9.1, mainly because they have overwhelmingly positive online reviews and industry-best customer service. Liberty consistently receives higher reviews than the competition (4.7\/5 stars on Google and Trustpilot), and most reviews mention Liberty\u2019s customer service in some regard because it\u2019s one of the things they do best. One customer on Google said:<\/p>\n<p><em>\u201cI contacted LHG a total of five times since I purchased my home in 2021. Each experience has been different; however, the customer service has been great. Each issue has been resolved in a timely manner.\u201d<\/em><\/p>\n<p>Nearly half the reviews I read mentioned specific customer service representatives by name, giving them a shoutout for their diligence. This level of satisfaction with customer reps is a very clear sign that the employees are helpful despite any claims about the company as a whole. Still, Liberty received some complaints, but not many, especially compared to a lot of competitors.<\/p>\n<p>One customer on Google said:<\/p>\n<p><em>\u201c(I waited) two weeks just to get their approval on the repair of my dryer, which I was informed they\u2019d only cover $250.00. Then, they tried to sell me a new dryer. Disappointing service.\u201d<\/em><\/p>\n<p>This review shows the disappointment that can come from contract exclusions that result in claims getting denied. Still, the good reviews definitely outweigh the bad, so we gave Liberty a 9.1.<\/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>NR*<\/em><\/td>\n<td><em>2,488<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>4.7 out of 5 stars<\/em><\/td>\n<td><em>2,940<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Google<\/em><\/td>\n<td><em>4.7 out of 5 stars<\/em><\/td>\n<td><em>10,921<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td><em>1.4 out of 5 stars<\/em><\/td>\n<td><em>62<\/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<p><em>*Note (as of 4\/19\/2024): Recently the Better Business Bureau shifted LHG\u2019s A+ rating to \u201cNR\u201d (Not Rated). We reached out to a representative from LHG for comment and they shared this statement: \u201cDespite the BBB\u2019s alert, our customer satisfaction levels remain by far the highest relative to our scale. Last month, we had the lowest percentage of customer cancellation requests in our entire history. On the BBB\u2019s own platform, Liberty Home Guard has achieved a star rating of 4.5 out of 5 from nearly 2,500 reviews. For added context, the approximately 480 resolved complaints on Liberty Home Guard\u2019s BBB profile equate to an extremely low fraction of a percentage relative to the size and scale of our total customer base. As we navigate this situation, which we believe will be resolved in time, we want to assure you that we remain committed to our customers and their satisfaction; they are the key stakeholders we orient all our efforts around.\u201d<\/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 is the only company on our list with a perfect claims process score, mainly because of their fast response times. Liberty\u2019s average response time is 12 hours, which is the fastest on our list. The next closest company is Cinch Home Services, with 24 hours, so if you care about quick repairs, Liberty is definitely the best option. Liberty also offers emergency services, which isn\u2019t uncommon, but they\u2019re crucial for when major systems stop working after hours or on weekends. Liberty also has amazing customer reviews that show how painless their claims process can be, so given all these features, we gave Liberty a 10 out of 10.<\/p>\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 Home Guard is available in all 50 states, so we gave them a perfect score. Nationwide availability is a good sign that the company is reputable and has a wide network of service technicians around the country.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-headline gb-headline-0f870676 gb-headline-text provider-box\"><a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/liberty-home-guard\/\">Read our full Liberty Home Guard review<\/a><\/div>\n<\/div>\n<div class=\"gb-container gb-container-92617821\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-8e3c4080\">\n<div class=\"gb-grid-column gb-grid-column-c51f9f73\">\n<div class=\"gb-container gb-container-c51f9f73\">\n<p>Best for Additional Benefits<\/p>\n<h3 class=\"gb-headline gb-headline-91c6ed53 gb-headline-text\">AFC Home Warranty<\/h3>\n<p class=\"gb-headline gb-headline-2a9cb81a gb-headline-text\">4.3<\/p>\n<p class=\"gb-headline gb-headline-29f86551 gb-headline-text\">Our Rating<\/p>\n<div class=\"gb-container gb-container-40b76a1c border-dash\">\n<p><strong>Limited Time:<\/strong> <\/p>\n<p>$200 off + free roof leak coverage<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-5d5c06cf gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-14076367 gb-button-text gb-tabs__button gb-block-is-current\">What I Like<\/button><\/p>\n<p><button class=\"gb-button gb-button-d084394d gb-button-text gb-tabs__button\">What I Don\u2019t Like<\/button><\/p>\n<div class=\"gb-container gb-container-d182e32e gb-tabs__items\">\n<div class=\"gb-container gb-container-61f86a5c gb-tabs__item gb-tabs__item-open\">\n<p>AFC Home Club has two main draws: they let members choose their own technicians, and they offer a lifetime workmanship guarantee. Shady technicians are a very big problem in the home warranty industry, especially if they\u2019re willing to gloss over the real issues with your items in order to fast-track their paycheck from your home warranty provider. If you have a local technician you trust, this feature is a huge perk. Additionally, AFC has a lifetime workmanship guarantee, which means that if one of your covered items breaks, AFC will cover the parts and labor for the entirety of your plan if the same component breaks again. Most other companies only offer a 30-day or 60-day guarantee, so AFC\u2019s lifetime guarantee is a big benefit in the long run.<\/p>\n<\/div>\n<div class=\"gb-container gb-container-045d9dbc gb-tabs__item\">\n<p>My main issue with AFC Home Club is that they don\u2019t offer emergency services. Every other company on our list offers emergency services, so it\u2019s a pretty big letdown. If you want to make sure you\u2019re covered quickly when you have a sudden malfunction, this is probably a dealbreaker since you\u2019ll have to wait an average response time of 24 to 48 hours for service. Also, I don\u2019t think the Diamond Plan is a very practical option for most homeowners at over $90 a month, so frugal buyers may want to look elsewhere.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-2f63ce4c gb-accordion\" data-accordion-multiple-open=\"\">\n<div class=\"gb-container gb-container-ced3090b gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-a35f524b gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Bottom Line: 8.5\/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-f35fe21f\">\n<p>AFC Home Club stands tall among competitors because they let members choose their own service technicians. If you have a favorite local contractor, this service is invaluable. It\u2019s a rare perk that goes a long way toward ensuring trustworthy repairs. Speaking of trustworthy repairs, AFC offers a lifetime workmanship guarantee, which gives you more peace of mind knowing that your repairs are guaranteed to last for the entire length of your contract. Once they fix an item, if it breaks again, they\u2019ll fix it for free. Most competitors only offer 30 or 60-day guarantees, so this is a big win for AFC Home Club.<\/p>\n<p>AFC only has one major downside, and that\u2019s that they don\u2019t offer emergency services. Every other provider on our list offers emergency services, and in some cases, these services can be crucial. If you can\u2019t wait for AFC to take action, you may need to pay out of pocket to get your item fixed immediately so it doesn\u2019t cause any more damage to your home. This will cost you extra, so be sure to factor that into your expenses when considering a plan from AFC. Still, the Platinum Plan is a great bargain for comprehensive coverage at just under $60 a month, so if you\u2019re not sure where to begin looking for a plan, I\u2019d recommend you start there.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-c3be52b9 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-693b1297 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Plans and Coverage: 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-ca374396\">\n<p>AFC Home Club offers four plans instead of the usual three, giving homeowners more options to cover their items. The Silver Plan is the only one that doesn\u2019t cover HVAC systems, so I wouldn\u2019t recommend it if you specifically need HVAC coverage. Additionally, the Diamond Plan costs over $90 a month, and it doesn\u2019t cover much more than the Platinum Plan, so I wouldn\u2019t recommend it for most homeowners.\u00a0 However, the Platinum Plan ($59.33<em>)<\/em> is my top choice from AFC Home Club, offering comprehensive coverage for 18 major appliances and home systems.<\/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>Diamond Plan<\/em><\/td>\n<td><em>$93.92<\/em><\/td>\n<td><em>$75 \u2013 $125<\/em><\/td>\n<td><em>$100 off plus free roof leak protection applied at checkout<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Platinum Plan<\/em><\/td>\n<td><em>$59.33<\/em><\/td>\n<td><em>$75 \u2013 $125<\/em><\/td>\n<td><em>$100 off plus free roof leak protection applied at checkout<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Gold Plan<\/em><\/td>\n<td><em>$54.08<\/em><\/td>\n<td><em>$75 \u2013 $125<\/em><\/td>\n<td><em>$100 off plus free roof leak protection applied at checkout<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Silver Plan<\/em><\/td>\n<td><em>$38.33<\/em><\/td>\n<td><em>$75 \u2013 $125<\/em><\/td>\n<td><em>$100 off plus free roof leak protection applied at checkout<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>*Monthly cost figures provided include the discounted rate offered at the time of writing. AFC Home Club has been running this promotion since last year.<\/em><\/p>\n<p><em>**AFC Home Club offers three service fee choices: $75, $100, or $125, which you get to choose between during your quote process. The prices shown in the table above are for a $125 service fee. Choosing the $100 or $75 options will raise your monthly rate.<\/em><\/p>\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 Philadelphia, PA. The cost data presented was accurate at the time of writing.<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>AFC Home Club offers the following add-ons for all plans. Note that the company\u2019s add-ons are priced annually.<\/p>\n<ul>\n<li>Built-in microwave: $50\/year<\/li>\n<li>Central vacuum: $25\/year<\/li>\n<li>Double oven: $25\/year<\/li>\n<li>Hot water dispenser: $25\/year<\/li>\n<li>Ice maker: $25\/year<\/li>\n<li>In-ground pool: $100\/year<\/li>\n<li>In-ground pool and spa: $150\/year<\/li>\n<li>Roof leak: $0 (this is a limited-time promotion, but it\u2019s typically $25\/yr)<\/li>\n<li>Septic system: $50\/year<\/li>\n<li>Stand-alone freezer: $25\/year<\/li>\n<li>Sump pump: $35\/year<\/li>\n<li>Well pump: $50\/year<\/li>\n<\/ul>\n<p>The exterior septic system coverage is particularly beneficial since not many companies offer outdoor coverage. Damage can affect more than just your home\u2019s interior, so it makes sense to cover your exterior pipes whenever possible.<\/p>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<ul>\n<li>Accidents<\/li>\n<li>Acts of God<\/li>\n<li>Chemical or sedimentary build-up<\/li>\n<li>Collapsed ductwork<\/li>\n<li>Cosmetic defects or routine maintenance<\/li>\n<li>Electrical shorts or power surges<\/li>\n<li>Electronic or computerized energy management\u00a0<\/li>\n<li>Failure due to excessive or inadequate water pressure<\/li>\n<li>Failure to clean or maintain as specified by the equipment manufacturer<\/li>\n<li>Fire, freezing, or electrical failure<\/li>\n<li>Hazardous or toxic materials<\/li>\n<li>Known or unknown preexisting conditions\u00a0<\/li>\n<li>Lighting and application management systems<\/li>\n<li>Lightning, mud, or earthquake damage<\/li>\n<li>Missing parts<\/li>\n<li>Misuse or abuse<\/li>\n<li>Pest damage<\/li>\n<li>Repairs related to costs of construction, carpentry, or other incidental costs<\/li>\n<li>Rust or corrosion<\/li>\n<li>Structural changes<\/li>\n<li>Storms<\/li>\n<li>Secondary damage from a noncovered item<\/li>\n<li>Upgrades, components, or parts required due to incompatibility with the replacement system\u00a0<\/li>\n<li>Water damage\u00a0<\/li>\n<\/ul>\n<p>It\u2019s important to note that AFC Home Club doesn\u2019t cover damage from failing to clean or maintain your items. This can be a problem for your HVAC systems if you\u2019re not regularly changing filters and making sure that things are running smoothly, so this exclusion could come back to bite you if you\u2019re not on top of things.<\/p>\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-ed279f00 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-582c8d9e gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Affordability: 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-9e5a3919\">\n<p>AFC Home Club has the second-highest affordability score on our list, mainly because of their reasonable rates (Diamond plan excluded) and multiple service fee options. Overall, AFC has very reasonable rates for their plans, generally staying around $5 under what industry leaders like Liberty Home Guard charge. They also offer three service fee rates, the lowest of which is $75, making it easy for homeowners to control how expensive their deductibles are. However, AFC\u2019s monthly premiums change based on location, so there may be more affordable options depending on what city you live in. Additionally, the Diamond plan is overly priced at $93.92 a month, bringing AFC\u2019s score down to 9.1.<\/p>\n<p>Non-emergency services outside of normal business hours may cost you additional fees, so be sure to read the <a href=\"https:\/\/afchomeclub.com\/images\/WPImages\/2019\/05\/AFCSAMPLECONTRACT.pdf\">entire AFC Home Club sample contract<\/a> to learn all the details about your plan.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-76f0f4c5 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-a2b30c92 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Customer Experience: 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-4d40fa43\">\n<p>AFC Home Club has the highest customer experience score on our list, mainly because they allow customers to choose their own technicians. Unsatisfactory technicians are one of the most common complaints in the home warranty business, so choosing a local technician you know and trust eliminates that problem and can help give you peace of mind during repairs. Customers also praised AFC for how simple the claims process was. One customer said:<\/p>\n<p><em>\u201cI was able to find my own local repair technician, and that helped the process considerably.\u00a0 I submitted the paperwork to receive reimbursement and was approved the same day.\u201d<\/em><\/p>\n<p>Another said:<\/p>\n<p><em>\u201cI\u2019ve been with the company for three years and was very pleased with how they handled my claim.\u00a0 They were courteous, informative, and processed my claim expeditiously.\u201d<\/em><\/p>\n<p>AFC\u2019s average response time is 24 to 48 hours, which is about average, so it brought their score down to 9.2.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-f0dbcdcd gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-d9be7150 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-79573a57\">\n<p>AFC Home Club has much fewer reviews than the competition, and while that\u2019s not inherently a bad sign, it doesn\u2019t reflect well on their popularity. For example, AFC only has 24 Trustpilot reviews, but every other company on our list has thousands (even tens of thousands). Still, their scores aren\u2019t bad, just very mixed.<\/p>\n<p>Customers typically praise AFC for the ability to choose their provider, with one customer saying, \u201c<em>The ability to choose my own technician is very important to me. I know by doing so, I get the caliber of person that I always have dealt with for the maintenance of my equipment.<\/em>\u201d\u00a0<\/p>\n<p>Another said:<\/p>\n<p><em>\u201cI\u2019ve been with AFC Home Club since 2019 and really appreciate their quick responses. The flexibility they provide to go through a technician of your choice or have them find you one is very helpful.\u201d<\/em><\/p>\n<p>However, most complaints were about denied claims. One customer on Google said:<\/p>\n<p><em>\u201cEvery service request we\u2019ve done has either been denied or had minimal pay on it. Absolutely ridiculous!\u201d<\/em><\/p>\n<p>Another customer said:<\/p>\n<p><em>\u201cThey will give you all the assurance in the world when signing up, but when things go breaking down and you need their help, they will give you the lowest possible approval! It really defeats the purpose of having a home warranty!\u201d<\/em><\/p>\n<p>Despite any complaints, AFC has average ratings on review sites, and the ability to choose your own technician is a huge perk, so we gave them a score of 8.3.<\/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 \/ 2.4 out of 5 stars<\/em><\/td>\n<td><em>158<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>3.0 out of 5 stars<\/em><\/td>\n<td><em>24<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Google<\/em><\/td>\n<td><em>3.7 out of 5 stars<\/em><\/td>\n<td><em>1,610<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td><em>1.9 out of 5 stars<\/em><\/td>\n<td><em>339<\/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-1fc43e3b gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-7f2d6993 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-6cee7ad0\">\n<p>AFC Home Club has the lowest claims process score on our list (by a lot), mainly because they don\u2019t offer emergency services. Every other provider on our list provides emergency services, so it\u2019s very inconvenient that AFC doesn\u2019t. It may not be a total dealbreaker to some, but emergency services can be crucial when a major home system breaks, especially HVAC. Still, they offer a lifetime workmanship guarantee and have high coverage limits, so their claims process is otherwise very straightforward. However, because they don\u2019t offer emergency services, we gave AFC Home Club a 6.8 \u2014 no one wants to be without AC or heating for a few days during extreme weather.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-3ccf690b gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-5df6e1dc 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-6ffc53fc\">\n<p>AFC Home Club operates in 49 states. According to our review standards, they earn a perfect availability score.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-headline gb-headline-aa90f819 gb-headline-text provider-box\"><a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/afc-home-club\/\">Read our AFC Home Warranty review<\/a><\/div>\n<\/div>\n<div class=\"gb-container gb-container-13f5cee6\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-33d470b0\">\n<div class=\"gb-grid-column gb-grid-column-34186e18\">\n<div class=\"gb-container gb-container-34186e18\">\n<p>Best Appliance Coverage<\/p>\n<h3 class=\"gb-headline gb-headline-22e0ddde gb-headline-text\">First American Home Warranty<\/h3>\n<p class=\"gb-headline gb-headline-2d3e45d4 gb-headline-text\">4.3<\/p>\n<p class=\"gb-headline gb-headline-e0f90349 gb-headline-text\">Our Rating<\/p>\n<div class=\"gb-container gb-container-e0812904 border-dash\">\n<p><strong>Limited Time:<\/strong> <\/p>\n<p>$100 Off with Code PROTECT<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-838f406a gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-6b8dc860 gb-button-text gb-tabs__button gb-block-is-current\">What I Like<\/button><\/p>\n<p><button class=\"gb-button gb-button-45e1ef83 gb-button-text gb-tabs__button\">What I Don\u2019t Like<\/button><\/p>\n<div class=\"gb-container gb-container-6264145e gb-tabs__items\">\n<div class=\"gb-container gb-container-5f8d87e8 gb-tabs__item gb-tabs__item-open\">\n<p>First American Home Warranty is one of my top choices for HVAC coverage because they don\u2019t have any pre-set coverage caps for built-in systems. I talked with a First American representative over the phone, and he confirmed that there aren\u2019t any predetermined coverage limits for HVAC systems, as shown in the protection guarantee in the image below. This means that if one of your HVAC systems malfunctions, they\u2019ll try to repair it, and if they can\u2019t, they\u2019ll replace the whole system at no charge. This is a huge perk that no other home warranty provider on our list offers. They don\u2019t have a dollar limit on refrigerant replacement either, so their HVAC coverage is definitely some of the best in the industry. In addition to their HVAC coverage limits, First American covers up to $3,500 per appliance in its plans, which is significantly higher than the industry average of $2,000. They also offer specific coverage for luxury appliances, so I highly recommend First American for homeowners who want high coverage limits for expensive items.<\/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\/xxgkDCiUQIsMLJnrSb6Afd7f7lhQwgoVwrbPd9XNSc5U93UbY7xFpnQKccuCCRoFJKMsYmQYUUSwYqHr0pn3dQqr5PbFFrz8ocdLSdH1_DbCIN_gmAAbuorSXAdQ2vriOAm63fRZZ--0cBeVaJmQ7R4\"\/><noscript><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/lh7-us.googleusercontent.com\/xxgkDCiUQIsMLJnrSb6Afd7f7lhQwgoVwrbPd9XNSc5U93UbY7xFpnQKccuCCRoFJKMsYmQYUUSwYqHr0pn3dQqr5PbFFrz8ocdLSdH1_DbCIN_gmAAbuorSXAdQ2vriOAm63fRZZ--0cBeVaJmQ7R4\" class=\"lazyload\" alt=\"\"\/><\/noscript><\/figure>\n<\/div>\n<div class=\"gb-container gb-container-f9d05482 gb-tabs__item\">\n<p>My main complaint is that First American doesn\u2019t have nationwide availability, so you won\u2019t be able to get coverage if you live in certain states. Also, their average response time is 48 hours, so if timely repairs are important to you, Liberty Home Guard is a much better option. Finally, First American has fairly standard exclusions, but there have been some instances where they\u2019ve kept customers from getting major systems replaced.<a href=\"https:\/\/www.youtube.com\/watch?v=ifaoRhmdZI0\">WREG News Channel 3 covered a story<\/a> where First American wouldn\u2019t fix a woman\u2019s heater, leaving her without heat for months. Fortunately, First American corrected their mistake and fixed her heater within a few days. Still, this is a cautionary tale that shows you should do your due diligence when choosing a home warranty provider.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-8228edef gb-accordion\" data-accordion-multiple-open=\"\">\n<div class=\"gb-container gb-container-9447d05d gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-8dc015f1 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Bottom Line: 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-582becd7\">\n<p>First American Home Warranty ranks second best in its overall score, making them my top alternative to Liberty Home Guard when it comes to everyday coverage. They\u2019re also my top alternative to American Home Shield for HVAC-specific coverage because they don\u2019t have any predetermined coverage caps for HVAC systems. This means that if they can\u2019t repair your system, they\u2019ll replace it for free, regardless of how much it costs. This is a massive perk, one that no other company can match because they all have specific coverage caps.<\/p>\n<p>Additionally, First American\u2019s appliance coverage limit of $3,500 makes it one of the <a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/appliance-insurance\/\">best home appliance insurance companies<\/a> in the industry. You can get these coverage limits even on their most affordable plans, so it\u2019s a very good value for the money. The Premium plan isn\u2019t very practical for homeowners who just want coverage for the most important home systems and appliances, so I recommend readers check out the Essential plan instead. It covers all major appliances and systems for less than $50 a month, which makes it one of the most economical comprehensive plans on our list.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-5e64793e gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-38978875 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Plans and Coverage: 9.0\/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-fcf23b19\">\n<p>First American Home Warranty offers three standard plans, but they all have a mixture of appliances and home system coverage, so you can\u2019t just cover HVAC without also covering some appliances. Still, they offer HVAC coverage on the Essential and Premium plans, giving you two affordable options to get full HVAC coverage with no coverage limits. First American also has flexible service fees of $75, $100, or $125, which gives you more control over your monthly rate. The Premium plan is overkill for most homeowners, so I recommend the Essential plan for those who want affordable HVAC coverage.\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>Starter Plan<\/em><\/td>\n<td><em>$40.00<\/em><\/td>\n<td><em>$125<\/em><\/td>\n<td><em>$200 off online orders with\u00a0 promo code: SPRING24<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Essential Plan<\/em><\/td>\n<td><em>$49.00<\/em><\/td>\n<td><em>$125<\/em><\/td>\n<td><em>$200 off online orders with\u00a0 promo code: SPRING24<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Premium Plan<\/em><\/td>\n<td><em>$62.00<\/em><\/td>\n<td><em>$125<\/em><\/td>\n<td><em>$200 off online orders with\u00a0 promo code: SPRING24<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>*First American Home warranty offers three service fee choices: $75, $100, and $125. The monthly costs shown in the table above are for a $125 service fee. Choosing the $100 or $75 options will raise your monthly rate.<\/em><\/p>\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 Philadelphia, PA. The cost data presented was accurate at the time of writing.<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<ul>\n<li>Additional refrigeration: $4.17\/mo<\/li>\n<li>Additional refrigeration 2: $4.17\/mo<\/li>\n<li>Additional refrigeration 3: $4.17\/mo<\/li>\n<li>Central air conditioning (electric): $8.33\/mo<\/li>\n<li>First American advantage: $0.00\/mo (only for Essential and Premium plans)<\/li>\n<li>HVAC tune-up: $2.08\/mo<\/li>\n<li>Limited roof leak: $8.33\/mo<\/li>\n<li>Pool\/spa equipment: $20.83\/mo<\/li>\n<li>Pool\/spa equipment 2: $20.83\/mo<\/li>\n<li>Septic tank pumping\/system: $7.08\/mo<\/li>\n<li>Water softener: $7.08\/mo<\/li>\n<li>Well pump: $7.08\/mo<\/li>\n<\/ul>\n<p>The add-on I find most useful is the HVAC tune-up coverage. It\u2019s very affordable at $2.08 a month, which is a small price to pay to keep your heating and cooling systems running well throughout the year. It can also help prevent any malfunctions down the road, so it\u2019s a solid investment for homeowners who are serious about their HVAC coverage.<\/p>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>First American Home Warranty has the following notable exclusions:\u00a0<\/p>\n<ul>\n<li>Chimneys<\/li>\n<li>Collapsed or broken lines<\/li>\n<li>Cosmetic defects<\/li>\n<li>Damage from pests<\/li>\n<li>Damage from weather, theft, or smoke\u00a0<\/li>\n<li>Glass doors<\/li>\n<li>Knobs<\/li>\n<li>Low-voltage electrical systems<\/li>\n<li>Plumbing stoppages caused by foreign objects<\/li>\n<li>Roots<\/li>\n<li>Rotisseries<\/li>\n<li>Solar systems<\/li>\n<li>Space heaters<\/li>\n<li>Water heater storage tanks<\/li>\n<\/ul>\n<p>However, First American covers some of these exclusions (like knobs and dials) in their Essential and Premium plans.<\/p>\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-d81b85d3 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-5f755aaa gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Affordability: 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-9be84cc9\">\n<p>Even though they\u2019re not the cheapest option on our list, First American has the highest score on our list for overall affordability because of their reasonable everyday prices and flexible service fees. The Essential plan is an especially good deal because it covers all major appliances and systems for $49 a month (less than Liberty\u2019s Total Home Guard plan). But, the Premium Plan is a bit overpriced, in my opinion, since it costs $13 more to cover items that aren\u2019t as important to most homeowners (as shown in the image below). First American also offers three service fee options as low as $75, which is more affordable than most competitors. However, First American won\u2019t reimburse you for services performed without prior approval, so that could add to your overall cost. Be sure to read the <a href=\"https:\/\/homewarranty.firstam.com\/media\/contracts\/Y5TX.B.pdf?_ga=2.16971902.693719768.1654519212-374376029.1627396609\">entire First American sample contract<\/a> to learn the terms and conditions before buying. You can compare the rates and coverage options below.<\/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\/67yZsp-szyxTeyTdb71Wa4etP8p6UhScO-gTDZ7Hq-xjIvN2tzyZUXizfYrn7vy0D1vQO6HBWiMuu2dq7-JNz4-Uu2Ppnxl7nUA3o33iVAXJh_2A0fomaJpHY5e3JNhHg7Yt83Ljo4pon8lWepUqjHc\"\/><noscript><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/lh7-us.googleusercontent.com\/67yZsp-szyxTeyTdb71Wa4etP8p6UhScO-gTDZ7Hq-xjIvN2tzyZUXizfYrn7vy0D1vQO6HBWiMuu2dq7-JNz4-Uu2Ppnxl7nUA3o33iVAXJh_2A0fomaJpHY5e3JNhHg7Yt83Ljo4pon8lWepUqjHc\" class=\"lazyload\" alt=\"\"\/><\/noscript><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-2815a6ac gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-633e1a66 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Customer Experience: 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-9be1a943\">\n<p>First American Home Warranty has an average customer experience score. Most customers were happy with their overall experience, but First American\u2019s claim response times and phone wait times were especially troublesome. One customer said:<\/p>\n<p><em>\u201cWe are in the midst of waiting on our HVAC to be fixed. It\u2019s now been out for 7-10 days. It took 2-3 days to get a call back from anyone.\u201d<\/em><\/p>\n<p>Another said:<\/p>\n<p><em>\u201cI wait on hold for an hour every time I call, no one follows up with me, and no one resolves anything. Everyone has me running in circles.\u201d<\/em><\/p>\n<p>Complaints like these are common in the industry, but considering all of them, we gave First American an 8.1 out of 10.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-5e541628 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-0ccee29f gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Company Reputation: 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-bc7b5182\">\n<p>First American Home Warranty is second only to Liberty Home Guard on our list for company reputation. Besides Liberty, First American is the only company to score higher than a four on Trustpilot, which is quite a feat. Most customers praised First American for their consistent quality service. One customer said:<\/p>\n<p><em>\u201cWe have had first American home warranty for seven years now. They have completely replaced our furnace and made electrical updates (for the safety of our home). They\u2019ve come out numerous times to repair our refrigerator and dishwasher. We have always been very happy with the service.\u201d<\/em><\/p>\n<p>Another said:<\/p>\n<p><em>\u201cI\u2019ve been with First American for five years now and have never had any issues. Each and every time I have contacted them with a question or concern, it was addressed. I always received professional and courteous representatives who were kind and able to assist me. I honestly have not had any problems with First American, and (I) hope that continues.\u201d<\/em><\/p>\n<p>Many other top reviews were similar. However, several complaints mentioned poor communication, claim denials, and negligent representatives. Another customer said:<\/p>\n<p><em>\u201cMy refrigerator has been broken since September 2023 and it is now January 2024. It is absolute hell dealing with their representatives, since I have called them more than a dozen times and they never take any action.\u201d<\/em><\/p>\n<p>Taking all the good and bad into account, we gave First American an overall score of 8.9.<\/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 \/ 1.77 out of 5 stars<\/em><\/td>\n<td><em>1,871<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>4.1 out of 5 stars<\/em><\/td>\n<td><em>13,854<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Google<\/em><\/td>\n<td><em>2.8 out of 5 stars<\/em><\/td>\n<td><em>2,633<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td><em>1.1 out of 5 stars<\/em><\/td>\n<td><em>1,907<\/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-2c811098 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-5530094d 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-27d73277\">\n<p>First American has an average response time of around 48 hours, which is one of the longest waits on our list. In contrast, Liberty Home Guard has an average response time of 12 hours, so 48 hours is a bit behind the curve. Still, First American offers convenient ways to submit claims online or over the phone 24\/7, and they have $3,500 coverage limits for appliances, so they have excellent payouts if you need a full replacement for your covered items. Considering all these factors, we gave First American Home Warranty an 8.4.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-5d62acfd gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-ea8dae94 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Availability: 6.0\/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-24b2c1ea\">\n<p>First American Home Warranty is only available in 34 states (not available in AK, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, or WI). Depending on where you live, this could be a dealbreaker. Since their availability isn\u2019t as good as the rest of the competition, we gave First American a 6 out of 10.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-3ac2d001\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-fc6e66a1\">\n<div class=\"gb-grid-column gb-grid-column-2988f271\">\n<div class=\"gb-container gb-container-2988f271\">\n<p>Best for Preventative Maintenance<\/p>\n<h3 class=\"gb-headline gb-headline-d8c4237b gb-headline-text\">Cinch Home Services<\/h3>\n<p class=\"gb-headline gb-headline-68b636e4 gb-headline-text\">4.1<\/p>\n<p class=\"gb-headline gb-headline-9e53e3af gb-headline-text\">Our Rating<\/p>\n<div class=\"gb-container gb-container-349ae354 border-dash\">\n<p><strong>Limited Time:<\/strong> <\/p>\n<p>2 Months Free On All Plans<\/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>My favorite features from Cinch Home Services are their $10,000 annual coverage caps and their unknown preexisting condition coverage. Unlike most providers in the industry that set individual coverage caps for items, Cinch uses one annual coverage cap for all of your covered items. As long as you stay within the $10,000 range, this is a big benefit because you could have the entirety of your replacements paid for. Also, Cinch covers unknown preexisting conditions, which is one less thing you have to worry about during the claims process. Unknown preexisting conditions are a common exclusion in the industry, so it\u2019s nice to have them covered. Cinch also has a 180-day workmanship guarantee and a B+ Better Business Bureau rating, which are an added plus to their coverage and payouts.<\/p>\n<\/div>\n<div class=\"gb-container gb-container-f1aca5f0 gb-tabs__item\">\n<p>My biggest problem with Cinch is their service fees. Cinch\u2019s service fee options range from $100 to $150, which is <em>almost double <\/em>what some other companies charge. Also, Cinch doesn\u2019t offer many promotional deals, making it nearly impossible to lower your rate. Lastly, Cinch only offers six add-ons, which may be a dealbreaker if you want to customize your coverage beyond their plan options. Still, the Complete Home plan covers plenty of systems and home appliances, so the lack of add-ons should just be a minor inconvenience for most homeowners.<\/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: 8.1\/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-0e8842fb\">\n<p>Cinch doesn\u2019t have a very high overall score when stacked up against the competition, but they\u2019re one of the most unique home warranty providers on our list. Their $10,000 annual coverage limits are very rare, and they could work to your benefit if you only have a few claims in a year, leaving more money to use per claim than if Cinch were to adopt individual coverage limits. Likewise, Cinch\u2019s unknown preexisting condition coverage (along with rust and corrosion coverage) gives you fewer exclusions to worry about, so your claims process is easier than a lot of competitors.<\/p>\n<p>Cinch also has plenty of benefits for homeowners who end up not making any claims within their year contract. They\u2019ll provide one free air conditioning and\/or heating system maintenance visit for up to $100 in the event that you have no claims of any type during your first year. In other words, you actually get rewarded for not having any claims. No other company on our list offers a benefit like that. While they do have expensive service fees of up to $150, that\u2019s a small price to pay in order to get these unique features that only Cinch offers.<em>\u00a0<\/em><\/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=\"Why Elite Home Warranty? Transparent Home Warranties for Homeowners.\" width=\"1170\" height=\"658\" src=\"https:\/\/www.youtube.com\/embed\/E6cK4x8WcxM?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<p><\/noscript>\n<\/div>\n<\/figure>\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: 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-74518814\">\n<p>Cinch Home Services has the worst plans and coverage score on our list, but it\u2019s mainly because of their lack of add-ons and expensive service fees. The plans themselves are straightforward and reasonably priced. Still, Cinch is the only provider on our list with service fees as high as $150, which is a lot considering most competitors top out at $125. Choosing a high service fee can help lower your monthly rate, but those deductibles add up quickly. Likewise, choosing a cheaper service fee option can raise your monthly rate by more than $10 a month, so it can get pricey no matter which way you choose. Also, Cinch only offers six add-ons, which is the lowest amount on our list, so we gave them a 6.7 for their plans and coverage.<\/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>Appliances<\/em><\/td>\n<td><em>$44.99<\/em><\/td>\n<td><em>$150<\/em><\/td>\n<td><em>Choose monthly billing and get your first two months free (online)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Built-in Systems<\/em><\/td>\n<td><em>$49.99<\/em><\/td>\n<td><em>$150<\/em><\/td>\n<td><em>Choose monthly billing and get your first two months free (online)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Complete Home<\/em><\/td>\n<td><em>$60.99<\/em><\/td>\n<td><em>$150<\/em><\/td>\n<td><em>Choose monthly billing and get your first two months free (online)<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>*Cinch Home Services offers three service fee choices: $100, $125, or $150, which you get to choose between during your quote process. The prices shown in the table above are for a $150 service fee. Choosing the $125 or $100 options will raise your monthly rate.<\/em><\/p>\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 Philadelphia, PA. The cost data presented was accurate at the time of writing.<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>Cinch Home Services offers the following add-ons for all its plans:<\/p>\n<ul>\n<li>Pool (heater included): $22.00\/mo<\/li>\n<li>Pool with spa (heater included): $22.00\/mo<\/li>\n<li>Premier upgrade package: $12.50\/mo<\/li>\n<li>Septic tank\/pumping: $4.58\/mo<\/li>\n<li>Spa (heater included): $22.00\/mo<\/li>\n<li>Well pump: $12.50\/mo<\/li>\n<\/ul>\n<p>The premier upgrade package is a unique option that provides additional coverage for permits, code upgrades, and more. No other company on this list offers it, and while it is pricey, it may be worth looking into if you\u2019re worried about keeping your appliances up to code.<\/p>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>Cinch Home Services has the following exclusions on all its plans:<\/p>\n<ul>\n<li>Abuse<\/li>\n<li>Accidents<\/li>\n<li>Acts of God<\/li>\n<li>Animal, pet, and\/or pest damage<\/li>\n<li>Casualty<\/li>\n<li>Fire<\/li>\n<li>Flood, smoke, earthquake, or freeze damage<\/li>\n<li>Improper installation<\/li>\n<li>Insurrection and riots<\/li>\n<li>lightning strikes<\/li>\n<li>Missing parts<\/li>\n<li>Misuse and\/or neglect<\/li>\n<li>Mold, mildew, mycotoxins, fungus, bacteria, virus, condensation, and\/or wet or dry rot<\/li>\n<li>Nuclear explosion, reaction, radiation, or radioactive contamination<\/li>\n<li>Power failure<\/li>\n<li>Power surge<\/li>\n<li>Structural and\/or property damage<\/li>\n<li>Vandalism or intentional destruction of property<\/li>\n<li>War and acts of terrorism<\/li>\n<\/ul>\n<p>It\u2019s important to note that this home warranty policy doesn\u2019t cover damage caused by mold and mildew. These damages can affect outdoor AC units and prevent you from getting your HVAC claims covered. Since central AC units are outside in the elements, it\u2019s always a good idea to check for exclusions that mention weather, rust, corrosion, or related damages.<\/p>\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>Cinch Home Services has the worst affordability score on our list (tied with American Home Shield), mainly due to their high service fees. Cinch\u2019s service fees are the most expensive on our list, ranging from $100 to $150. However, you can choose between them, which is a plus. Lowering your service fee to $100 will raise your monthly rate, but the $150 option is the most expensive deductible on our list, so it can get expensive either way. Cinch\u2019s rates also vary greatly depending on your location, so even though they look reasonable in the chart above, they may be more expensive in your area. Still, Cinch has very affordable monthly rates in most areas, so we gave them an 8.7.<\/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: 7.8\/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-521ad2bb\">\n<p>Cinch Home Services has the lowest customer experience score on our list (tied with Liberty Home Guard), but this number doesn\u2019t describe the full picture. While it\u2019s true that Cinch has a lot of complaints about their customer service, there are just as many reviews that give glowing recommendations. Many reviews mention specific agents by name and thank them for their helpfulness.<\/p>\n<p>For example, one customer on Google left an initial review that said:<\/p>\n<p><em>\u201cI\u2019ve been with this company for years for my rental. The one time I actually need help with a big claim, they screw me with a big bill in the end. No longer will I use their services.\u201d<\/em><\/p>\n<p>But then, they updated their review later to say:<\/p>\n<p><em>\u201cI received a call from Wendy Dunn from customer relations. She was extremely helpful in getting more back from my replacement. I give her 5 stars for explaining limits and her kindness and compassion. This really helped a lot.\u201d<\/em><\/p>\n<p>Another customer said:<\/p>\n<p><em>\u201cI recently had my 40 year old furnace die on me. While working with the service technician had its challenges, Cinch customer service, and Evan Fields, my customer rep, in particular, pulled out the stops and got everything taken care of.\u201d<\/em><\/p>\n<p>Cinch\u2019s general customer service could use improvement, but their helpful agents, like Wendy Dunn and Evan Fields, redeemed the company\u2019s performance, so we gave them a 7.8.<\/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>Cinch earned a B+ with the Better Business Bureau, giving them the highest BBB score on our list. Their online customer reviews aren\u2019t very particularly impressive, but many customers praised Cinch\u2019s timely responses and payouts. One Google customer said:<\/p>\n<p><em>\u201cMy appointment was scheduled in a very timely manner. We had to wait for parts to be ordered. Once it was determined that the dryer was not repairable, I was given a replacement or buy-out option. I chose buy-out. The check arrived in about a week.\u201d<\/em><\/p>\n<p>Another said:<\/p>\n<p><em>\u201cI am happy to say we are 2 for 2 with Cinch: two successful repair\/replace service requests. In both cases, the service technicians were professional and respectful of my time.\u201d<\/em><\/p>\n<p>On the other hand, most of the complaints were about claim denials, incompetent technicians, and long wait times. One customer said:<\/p>\n<p><em>\u201cIt is a complete scam.\u00a0 They took my monthly payment for months, and the one time I needed to use the service they took my $150 deductable and sent someone who didn\u2019t know how to fix a simple leak.\u201d<\/em><\/p>\n<p>Despite any complaints, many reviewers were able to get their issues resolved by reaching out to the customer relations team. One customer edited their review, saying:<\/p>\n<p><em>\u201cAfter posting my initial review, Ms. Wendy from Customer Relations reached out to assist with my issues. She was very professional and very helpful. She allowed me to pick my own company to provide the services that I needed. After providing her the quote\/total for my repairs, she reimbursed me the total with no problem.\u201d<\/em><\/p>\n<p>While their online reviews aren\u2019t very impressive, Cinch works to resolve customer complaints, so we gave them an 8.3.<\/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+ \/ 1.12 out of 5 stars<\/em><\/td>\n<td><em>1,555<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>3.8 out of 5 stars<\/em><\/td>\n<td><em>3,138<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Google<\/em><\/td>\n<td><em>3. 1out of 5 stars<\/em><\/td>\n<td><em>2,695<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td><em>1.0 out of 5 stars<\/em><\/td>\n<td><em>5<\/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: 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-3f1dc91a\">\n<p>Cinch Home Services has the second-highest claims process score on our list, mainly because Cinch has a $10,000 annual coverage limit instead of using individual item limits (with limited exceptions for certain items). This means that if you need a replacement for your central air system that costs $8,000, you would potentially be covered for that replacement with $2,000 left to use within your contract year. Of course, this depends on whether Cinch approves your claim and the amount for replacement, so it\u2019s not foolproof. Additionally, Cinch has a fast 24-hour response time, 24\/7 availability, and fee-free emergency services, all of which help get your claims settled quickly and efficiently. However, Cinch does have some exclusions for HVAC systems. They don\u2019t cover gas systems, including ammonia systems and chilled water systems, and they have $1,500 coverage limits for geothermal or water source systems. Considering these exclusions, we gave Cinch a 9.2.<\/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>Cinch Home Services is available in the 48 continental United States, which means we gave the company a perfect availability score.<\/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 HVAC Home Warranty<\/h2>\n<p>If you\u2019re trying to figure out how much a home warranty will cost, Today\u2019s Homeowner created a handy cost calculator to help you. Enter your monthly cost, service call fee, and expected number of claims below to estimate your annual home warranty cost.<\/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<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<div id=\"hm-faq-block_8b7469f5356a940fa324827571b682bd 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 for HVAC?                    <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">You don\u2019t necessarily <\/span><i><span style=\"font-weight: 400;\">need<\/span><\/i><span style=\"font-weight: 400;\"> a home warranty to protect your HVAC system, but it can be beneficial, depending on your financial situation. Home warranty policies aren\u2019t foolproof, but they can help alleviate some of the pressure on large expenses like HVAC repairs.<\/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 for HVAC?                    <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">The average cost of a home warranty for HVAC is $58.70 a month, not including service fees. To find out more about the costs associated with home warranties, check out our <\/span><a href=\"https:\/\/todayshomeowner.com\/home-finances\/cost\/home-warranty-cost\/\"><span style=\"font-weight: 400;\">home warranty cost guide<\/span><\/a><span style=\"font-weight: 400;\">.<\/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 Can You Save Money When Shopping for Home Warranties for HVAC?                    <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">If you\u2019re only concerned with covering your HVAC system, I don\u2019t recommend paying for comprehensive coverage you don\u2019t need. Adding in extra covered items will only raise your rate, so pick a plan that fits your needs without going overboard (and be sure to shop the online deals) in order to get the best price.<\/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 HVAC?                    <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">A home warranty is worth it for HVAC because heating and air conditioning systems are some of the most expensive systems in your home to replace, so paying out of pocket for repairs isn\u2019t ideal. It can be difficult to know for sure <\/span><a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/are-home-warranties-worth-it\/\"><span style=\"font-weight: 400;\">if home warranties are worth it<\/span><\/a><span style=\"font-weight: 400;\"> for your specific circumstances, but if you don\u2019t have any money saved in case of a malfunction, you may benefit from a home warranty policy.<\/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-warranty-resources-for-homeowners\">Other Warranty Resources for 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>HVAC systems are some of the most expensive systems you\u2019ll ever buy, and they\u2019re responsible for regulating the temperature throughout your entire house. While most appliances in your home cost under $1,000 to replace, HVAC systems can cost upwards of $10,000, so if something malfunctions and you need to replace your heater or air conditioner, [&hellip;]<\/p>\n","protected":false},"author":224,"featured_media":10678,"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-10677","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 v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Top 5 Best Home Warranty Companies for HVAC | Unlock Informed Choices with Us<\/title>\n<meta name=\"description\" content=\"Learn about our top HVAC home warranty providers and how to choose the best one with our 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