January 2026
Best Home Warranty Plans

A home warranty plan is a service agreement that covers the cost of repairing or replacing major home systems and appliances when they break down due to normal wear and tear. It helps protect homeowners from large, unexpected repair bills and ensures quick, professional service.

When comparing plans, consider the systems and appliances covered, service fees, payout limits, provider reputation, and customer reviews. Look for a plan that offers the right balance of coverage, affordability, and reliability for your needs.

Top-rated plans typically include essential systems like heating, cooling, plumbing, and electrical, along with appliances such as refrigerators, ovens, dishwashers, and laundry machines. Many providers also offer optional coverage for pools, spas, and roof leaks.

Most plans exclude pre-existing problems—issues that were known or should have been known before coverage began. Some providers may offer limited protection for undetectable issues that could not have been found during an inspection.

Yes, the best providers offer coverage for homes of any age. Older homes may have more wear and tear, so some providers may have higher service fees or certain coverage limitations.

Pricing for top-rated plans typically ranges from $300 to $700 per year, depending on coverage level and provider. Service call fees usually range from $75 to $125 per visit.

Most providers allow claims to be filed online or by phone. The company will send a licensed technician to assess the issue, and if it’s covered, repairs or replacements will be made for only the service fee.

While most plans allow multiple service requests, each covered item usually has an annual payout cap. The best plans have higher limits and fewer exclusions.

Many providers require using their network of approved contractors. The best plans sometimes allow you to choose your own licensed technician, subject to pre-approval and reimbursement policies.

Coverage for most home warranty plans begins 30 days after purchase. Some providers may offer immediate coverage if you’re renewing or switching from another plan.

Yes, many top providers offer add-ons for extra coverage, including pools, spas, roof leaks, septic systems, well pumps, and even standalone appliances.

These plans are ideal for homeowners who want comprehensive coverage, reliable service, predictable repair costs, and peace of mind knowing their home systems and appliances are protected.