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Best Home Warranty of 2026

We tested and reviewed the top home warranty to help you find the perfect match.

📅 Updated 2026-03-04 📊 10 products compared

Key Insights

American Home Shield is the largest and most established home warranty provider, covering over 2 million homes with flexible plan options.

Top 10 Home Warranty Compared

#1
A

American Home Shield

Best Overall

America's most popular home warranty provider

9.2 Excellent

Pros

  • No home inspection required
  • 3 plan options
  • Covers pre-existing conditions
  • Large contractor network

Cons

  • Higher service fees
  • Claim denials reported
  • Price increases at renewal
#2
C

Choice Home Warranty

Runner Up

Affordable home protection with fast claims

8.9 Great

Pros

  • Affordable plans
  • Fast claim processing
  • Roof leak coverage
  • Award-winning service

Cons

  • $500 coverage caps on some items
  • Not available in all states
  • Pre-existing exclusions
#3
S

Select Home Warranty

Best Value

Customizable coverage at competitive prices

8.3 Great

Pros

  • Customizable plans
  • Free roof coverage
  • Competitive pricing
  • Multiple add-ons

Cons

  • Lower payout caps
  • Mixed reviews
  • Limited contractor pool
#4
F

First American

Comprehensive home warranty with no coverage caps

8.5 Great

Pros

  • No dollar coverage caps
  • Covers unknown pre-existing
  • Comprehensive plans
  • Real estate friendly

Cons

  • Higher monthly cost
  • Slow customer service
  • Limited add-on options
#5
H

Home Warranty of America

Simple home warranty with straightforward coverage

8.0 Great

Pros

  • 13-month contracts
  • No inspection required
  • Covers code violations
  • Quick claims

Cons

  • Limited availability
  • Higher service fee
  • Fewer plan options
#6
L

Liberty Home Guard

Comprehensive coverage with industry-leading customer service

8.7 Great

Pros

  • Excellent customer service
  • Comprehensive coverage
  • Many add-on options
  • Fast claims

Cons

  • Newer company
  • Not available everywhere
  • Can be pricey with add-ons
#7
A

AFC Home Club

Affordable home warranty with à la carte pricing

7.8 Good

Pros

  • À la carte pricing
  • Systems-only plan available
  • No home inspection
  • Flexible terms

Cons

  • Smaller company
  • Limited reviews
  • Basic coverage on lower plans
#8
C

Cinch Home Services

Home warranty backed by Cross Country Home Services

8.1 Great

Pros

  • 180-day workmanship guarantee
  • Large service network
  • Online claims
  • Appliance discounts

Cons

  • Mixed customer reviews
  • Coverage limitations
  • Service fee varies
#9
2

2-10 Home Buyers Warranty

Home warranty specialist for real estate transactions

8.4 Great

Pros

  • Real estate focused
  • Structural coverage available
  • Builder warranties
  • 40+ years experience

Cons

  • Limited direct consumer plans
  • Complex claims process
  • Agent-focused
#10
O

Old Republic Home Protection

Reliable home warranty from a trusted insurance company

8.2 Great

Pros

  • Insurance company backing
  • Trade call fee guarantee
  • Real estate oriented
  • Reliable claims

Cons

  • Limited to certain states
  • Basic online experience
  • Not the cheapest

Side-by-Side Comparison

ScorePriceFree PlanKey Feature
#1 American Home ShieldMonthlyService FeeCoverageFree TrialNationwide9.2
#2 Choice Home WarrantyMonthlyService FeeCoverageFree TrialNationwide8.9
#3 Select Home WarrantyMonthlyService FeeCoverageFree TrialNationwide8.3
#4 First AmericanMonthlyService FeeCoverageFree TrialNationwide8.5
#5 Home Warranty of AmericaMonthlyService FeeCoverageFree TrialNationwide8.0
#6 Liberty Home GuardMonthlyService FeeCoverageFree TrialNationwide8.7
#7 AFC Home ClubMonthlyService FeeCoverageFree TrialNationwide7.8
#8 Cinch Home ServicesMonthlyService FeeCoverageFree TrialNationwide8.1
#9 2-10 Home Buyers WarrantyMonthlyService FeeCoverageFree TrialNationwide8.4
#10 Old Republic Home ProtectionMonthlyService FeeCoverageFree TrialNationwide8.2

How to Choose the Best Home Warranty

Compare coverage items, service fees, and monthly costs across providers.

Frequently Asked Questions

AHS can save thousands on major repairs. It's most valuable for older homes with aging appliances and systems.