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January 2026
TOP HOME WARRANTY SERVICES

Best Home Warranty Services For 2026
Safeguard Your Home and Finances Against Unplanned Repair Costs

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Last offers update: January 2026

MOST POPULAR
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Massive Holiday Savings. Call Today to Claim Your Savings ($200 Off)!

Excellent
9.8
OUR #1 CHOICE
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Lock In Your 2025 Price!
$75 OFF + 1 MONTH FREE!*

Exceptional
9.9
BEST IN SERVICE
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Get a $200 Instant Discount*! Promo Code: FA200

Very Good
9.7
1
OUR #1 CHOICE
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Lock In Your 2025 Price!
$75 OFF + 1 MONTH FREE!*

  • $75 Off all plans.
  • First month free.
  • Handled over 8 million claims.
  • 24/7 customer support.
  • No home inspection required.
Pros & Cons Pros & Cons
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1
OUR #1 CHOICE
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Lock In Your 2025 Price!
$75 OFF + 1 MONTH FREE!*

Exceptional
9.9

• Handled Over 5 Million Claims.
• 24/7 Expert Phone Support.
• No home inspection.
• Plans include appliances.

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2
MOST POPULAR
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Massive Holiday Savings. Call Today to Claim Your Savings ($200 Off)!

  • No home inspection required.
  • Check Icon Free roof coverage.
  • Trusted by 1,000s of homeowners each week.
  • Multi-year discount available.
Pros & Cons Pros & Cons
Why We Picked It Expand sign
2
MOST POPULAR
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Massive Holiday Savings. Call Today to Claim Your Savings ($200 Off)!

Excellent
9.8

• Free Roof Leak Coverage.
• 40% Off + 2 Bonus Months.
• Plans Start Under $1/Day.

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3
BEST IN SERVICE
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Coupon

Get a $200 Instant Discount*! Promo Code: FA200

  • Roof coverage.
  • Fast claim dispatch.
  • Seniors and veterans discount available.
Pros & Cons Pros & Cons
Why We Picked It Expand sign
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BEST IN SERVICE
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Get a $200 Instant Discount*! Promo Code: FA200

Very Good
9.7

• 500K+ Homeowners Trust It.
• Custom Plans Available.
• Optional AC & Pool Coverage.

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4
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SPECIAL OFFER! $200 OFF + 2 FREE MONTHS & FREE ROOF COVERAGE

  • Roof coverage.
  • Fast claim dispatch.
  • Seniors and veterans discount available.
Pros & Cons Pros & Cons
Why We Picked It Expand sign
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Coupon

SPECIAL OFFER! $200 OFF + 2 FREE MONTHS & FREE ROOF COVERAGE

Very Good
9.6

• High Claim Approval Rate.
• Fast Service In Most ZIPs.
• Plans From Just $1/Day.

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5
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$150 OFF + 1 MONTH FREE

  • Roof coverage.
  • Fast claim dispatch.
  • Seniors and veterans discount available.
Pros & Cons Pros & Cons
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5
Coupon

$150 OFF + 1 MONTH FREE

Very Good
9.5

• Eco Upgrade: GreenPlus Plan.
• No Inspection Requirements.
• 25+ Years Of Trusted Service.

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6
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$75 OFF + 1 MONTH FREE

  • 24/7 Customer Support.
  • Nationwide trusted technicians.
  • No Inspection Required.
  • More than 25,000 Contractors Nationwide.
Pros & Cons Pros & Cons
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• Coverage Starts In 10 Days.
• 24/7 Award-Winning Support.
• Systems + Appliances Plans.

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Our Best Overall Provider

1
OUR #1 CHOICE
Show/hide extra details See extra details & advantages
Coupon

Lock In Your 2025 Price!
$75 OFF + 1 MONTH FREE!*

  • $75 Off all plans.
  • First month free.
  • Handled over 8 million claims.
  • 24/7 customer support.
  • No home inspection required.
Pros & Cons Pros & Cons
Why We Picked It Expand sign
1
OUR #1 CHOICE
Coupon

Lock In Your 2025 Price!
$75 OFF + 1 MONTH FREE!*

Exceptional
9.9

• Handled Over 5 Million Claims.
• 24/7 Expert Phone Support.
• No home inspection.
• Plans include appliances.

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What is Home Warranty Insurance?

Home warranty insurance is a smart and practical investment that helps protect your home’s most essential systems and appliances from everyday wear and tear. When unexpected breakdowns occur, a home warranty plan can cover the cost of repairs or replacements—saving you from sudden, high expenses and providing peace of mind.
Whether it's your HVAC system, plumbing, electrical components, or kitchen appliances, a home warranty ensures that help is just a phone call or click away. With quick access to trusted professionals and simplified claim processes, you can keep your home running smoothly while avoiding the stress and financial burden of surprise repairs.

Key Benefits of a Home Warranty

  • Protection against unexpected repair costs
  • Covers major systems and appliances
  • Fast access to qualified service technicians
  • Simple claims process and one point of contact
  • Peace of mind for homeowners and landlords
  • Affordable monthly or annual pricing

Who Should Consider a Home Warranty?

A home warranty is ideal for many types of homeowners, from first-time buyers and busy families to real estate investors and owners of older homes. It's especially valuable if your appliances or systems are no longer under manufacturer warranty. Whether you're moving into a new property or maintaining a long-term residence, a home warranty adds a layer of financial security and convenience that helps you avoid costly disruptions.

Conclusion

With a wide range of coverage options available, choosing the right home warranty plan depends on your home’s unique needs. Some plans focus on essential systems, while others offer more comprehensive protection. Taking the time to understand what each policy includes, and what it doesn’t, can help you make a confident, informed decision. No matter your situation, investing in a home warranty is a proactive way to protect your budget and your peace of mind.

Our Top 3 Home Warranty

1
Choice Home Warranty offers plans with high coverage limits, is available in most states and is great for homeowners on a budget.
  • No prior home inspection required.
  • Generous coverage limits at this price range.
  • Access repairs are covered if contractor needs to get into walls, floors or ceilings.
  • Coverage is available in most states.
  • Not available in Washington.
  • Can’t choose your contractor.
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Choice Home Warranty

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2
Select Home Warranty stands out for its extensive coverage options, 24/7 customer support. With flexible plans, affordable pricing, and optional add-ons, it offers homeowners peace of mind and reliable protection against unexpected repair costs.
  • Make a Claim 24 / 7 / 365
  • Free roof coverage
  • Trusted by 1,000s of homeowners each week
  • Multi-year discount available
  • No home inspection required
  • Service availability may vary by location.
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Select Home Warranty

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3
First American Home Warranty provides reliable home protection plans with extensive coverage options, affordable pricing, and a wide contractor network. Homeowners benefit from flexible coverage and a hassle-free claims process.
  • Covers a wide range of home systems and appliances.
  • Offers multiple plans to fit different budgets and needs.
  • Higher tier plans include unique bonus coverages such as shower arms and garage doors springs.
  • Service availability may vary by location.
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First American

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Frequently Asked Questions

What are home warranty services?

Home warranty services refer to the repair or replacement of major home systems and appliances covered under a warranty plan. These services ensure your home continues to function properly and help you avoid unexpected repair costs.

How are home warranty services different from homeowners insurance?

Home warranty services cover breakdowns of systems and appliances due to normal wear and tear, such as HVAC, plumbing, and kitchen appliances. Homeowners insurance covers damage caused by events like fire, storms, or theft, but not repairs from everyday use.

What systems and appliances are typically covered?

Most home warranty services cover heating, cooling, plumbing, and electrical systems, as well as major appliances like refrigerators, ovens, dishwashers, and washers/dryers. Optional coverage may include pools, spas, roof leaks, septic systems, and well pumps.

Are pre-existing problems covered?

Generally, pre-existing conditions—issues known or that should have been known before the plan began—are not covered. Some providers may offer limited coverage for undetectable problems.

Can older homes get home warranty services?

Yes, most providers offer services for homes of any age. Coverage or service fees may vary depending on the age and condition of systems and appliances.

How much do home warranty services cost?

The annual cost typically ranges from $300 to $700, depending on coverage level and provider. Service call fees usually range from $75 to $125 per visit.

How do I request a home warranty service?

You can request services online or by phone. The provider will send a licensed technician to inspect, repair, or replace the covered item. If the issue is covered, you’ll only pay the service fee.

Is there a limit to the number of service requests?

Most plans allow multiple service requests, but coverage limits usually apply per item or per contract term. Check your plan for specific caps and exclusions.

Can I choose my own service technician?

Most providers require using their network of approved technicians. Some may allow you to choose your own licensed contractor, subject to approval and reimbursement policies.

When does home warranty service coverage begin?

Coverage typically starts 30 days after purchase. Some providers may offer immediate coverage if you are renewing or transferring from another plan.

Are optional service upgrades available?

Yes, many providers offer add-ons for extra coverage, including additional appliances, pools, spas, roof leaks, septic systems, and specialty equipment.

Who should consider home warranty services?

Home warranty services are ideal for homeowners who want predictable repair costs, protection for aging systems and appliances, and hassle-free access to licensed repair professionals.