7 Best Home Warranty Companies in Florida for 2024

Whether you’ve just bought a new home or have owned one for many years, expenses related to home repairs can quickly add up. Not only do mortgage payments, insurance and taxes take a large chunk out of most people’s paychecks — failing appliances and systems can also dent your savings. But there is potential help in the form of a home warranty, which helps cover wear and tear on items in your home that your Florida homeowner’s insurance does not.

Keep reading to discover our picks for the best home warranty companies in Florida.

Our Top Picks for the Best Home Warranty Companies in Florida

• Choice Home Warranty – Best overall
• Home Serve – Best for individual system coverage
• American Home Shield – Best for plan flexibility
• AFC Home Club – Best for choosing your own contractor
• First Premier Warranty – Best promotions
• Select Home Warranty – Best value
• American Residential Warranty – Best for availability

Best Home Warranty Companies in Florida Reviews

Why we chose it: Despite some customer service issues, we picked Choice Home Warranty as the best overall home warranty coverage in Florida because it offers the most comprehensive coverage at attractive prices. The company’s customer service and guarantee for work done are above current industry standards.

Choice offers two packages: the Total Plan and the Basic Plan. Because prices can differ between cities, we’ve based prices on quotes received for Orlando.

The Basic Plan has an Orlando price of $532 per year (or around $47 per month if you opt for month-to-month pricing). It covers major appliances (except for washers, dryers and refrigerators), plumbing and electrical systems.

The Total Plan includes laundry appliances, refrigerators and air conditioning systems and costs $660 per year (or $55per month when you elect to pay month to month)

Optional coverage is available for additional home features like pools and spas, well pumps, sump pumps and septic systems.

The service fee for all calls and all plans is $100– lower than the $100, or even $125, that some other warranty companies charge.

Choice also has several coverage add-ons you can choose from to enhance your plans:

• Limited roof leak (only for the Plus and Plan packages)
• Central vacuum
• Additional refrigerator
• Ice maker
• Septic system and pumping
• Well pump
• Pool and spa
• Guest house

According to reviews from sources like Trustpilot and the Better Business Bureau, customers’ opinions of Choice seem lukewarm. The company also has some issues with advertising and following through on contract terms, as the Arizona Attorney General has a pending lawsuit for consumer fraud.

Why we chose it: HomeServe is on our list of best-rated home warranty companies in Florida for its strong customer reviews and many choices to cover individual appliances or systems.

HomeServe provides coverage for individual systems and appliances and has partnered with Florida Public Utilities (FPU) to offer more and cheaper options.

Systems you can purchase coverage for if you have FPU are:

• Exterior water service line
• Exterior sewer and septic line
• Gas lines
• Interior electrical lines
• Cooling system

If you don’t have FPU, you can purchase coverage for the following:

• Exterior water service line
• Exterior sewer and septic line
• Interior plumbing and drains
• Interior electrical lines
• Water heater repair
• Gas line
• Technological devices

There are many plans and coverage options to choose from at an affordable cost, which might help you cover what you need within your budget. For instance, you can cover your cooling system for about $11.50 per month, your interior electrical lines for about $6.50 per month and exterior lines for about $5 per month.

If you want more coverage, there are more extensive HomeServe plans available. The heating and cooling plan costs about $19 per month and the interior plumbing and drainage system coverage costs about $14 per month. The more robust Premium Home Protection Plan is about $70 per month. HomeServe also offers Tech Protection plans starting at about $12 that cover devices like computers, tablets and televisions. Many other plans are available, so check out HomeServe’s website if you’re looking for other combination plans. There are no service fees for system plans.

Overall, HomeServe has fairly high customer ratings about customer services and how smoothly the claims process went. Average reviews rate it 3.91 out of 5 stars on the Better Business Bureau’s website.

Why we chose it: We’ve chosen American Home Shield for the best plan flexibility because you can choose from several add-ons to enhance its already comprehensive plans. American Home Shield offers three plans in Florida: ShieldSilver, ShieldGold and ShieldPlatinum.

The ShieldSilver plan includes coverage for 14 systems in your home — including electrical, heating and cooling, plumbing and many subsystems, such as breaker boxes and attic fans. However, the plan doesn’t cover kitchen or laundry appliances.

The ShieldGold plan adds kitchen and laundry appliances, and the ShieldPlatinum plan adds roof leak repair and other features. Plan pricing is competitive for the coverage you receive, in some cases beating many of its competitors:

• Shield Silver is priced at $50 to $60 a month for Florida homes
• Shield Gold is around $70 to $80 per month
• Shield Platinum is around $100 to $110 per month

AHS allows you to choose between three service fees — $75, $100 and $125; the higher the fee, the lower your monthly payment is. Higher service fees and lower payments might be best if you have newer appliances and don’t expect them to fail within the next few years.

American Home Shield has been working to address customer service and satisfaction issues over the last several years. There are more than 25,000 complaints filed with The Better Business Bureau and over 11,000 reviews, giving it an average of 2.14 out of 5 stars.

Why we chose it: America’s First Choice Home Club gets our pick of the best for choosing your own contractor. Most warranty companies choose your contractor for you, and many complaints against these companies stem from shoddy workmanship. Choosing the contractor allows you to use a technician you have worked with before and trust to get the job done right the first time.

AFC plans have the option to select between a one- or three-year term with a choice of service fees. Service fee choices are $75, $100 and $125 — the higher your fee, the less your monthly premium will be. We’ve chosen the one-year plan and the $125 service fee for this review. Note that with AFC, longer terms come with a higher discount, which is another cost consideration.

The four plans are the Silver, Gold, Platinum and Diamond plans. The Silver plan covers kitchen and laundry appliances and garage door openers from $37 per month. The Gold plan includes everything in the Silver plan and adds heating and cooling, plumbing and electrical for $51 per month. Platinum protects all major systems and appliances.The top-tier plan, Diamond, adds exterior water and sewer lines and electronics, with a monthly cost of $92.

AFC’s customer service and satisfaction are average. Reviews rate the company an average of 2.96 out of 5 stars based on 220 customer reviews on the Better Business Bureau’s website.

Why we chose it: First Premier Home Warranty is our choice for the best promotions because it gives you two months of free coverage for every year-long plan you purchase. It also has a relatively low deductible ($75 per claim) and includes limited roof coverage with an annual plan for free.

First Premier only has two plans to choose from, but many optional add-ons make it easy to customize your plan. Rates are low compared with many other companies, and the add-ons are relatively inexpensive, too. First Premier charges a standard $75 deductible for all calls.

The Premier Plan is $40 per month and includes coverage of the following:

• Sump pump
• Plumbing stoppage
• Water heater
• Whirlpool bathtub
• Plumbing system
• Electrical system
• Dishwasher
• Oven/range/stove
• Cooktop
• Garage door opener
• Built-in microwave
• Ceiling & exhaust fans
• Garbage disposals
• Trash compactors
• Ductwork

The Platinum Plan adds more systems and appliances for $48 per month:

• Clothes washer
• Two heating systems
• Refrigerator
• Clothes dryer
• Two AC systems

There are 22 add-ons from which to choose. You can select coverage for a pool or spa, sump pump, second refrigerator, your refrigerator’s ice maker, additional air and heat systems and more appliances. Prices range from about $2 a month to $13.

Customer satisfaction appears to be somewhat average for the industry, with a 3.07-star rating based on 337 customer reviews on its BBB business profile. First Premier has responded to all complaints, demonstrating that it takes customer service and satisfaction seriously.

Why we chose it: Select Home Warranty is our pick for best value because it guarantees its work for 90 days and has some of the lowest prices for comparable coverage. Select Home Warranty has three plans: Bronze Care, Gold Care and Platinum Care.

The Gold Care package covers your air, heat, electrical, plumbing systems; the water heater is also covered. The Bronze Care package covers appliance breaks for items such as a clothes washer, dryer, stove, microwave and refrigerator. Both plans cost about $60 per month in Florida. The Platinum Care package combines the coverages from both plans, but isn’t necessarily priced much higher — and so offers the best value.

You can add coverage for a selection of other items like a pool or spa, septic system, and sprinkler system for between $3 and $8 per month. Roof leak coverage is included in all plans for no charge. Select’s service call fees range from $75 to $100.

Select Home Warranty’s customer service is questionable, however. There are many complaints filed with the Better Business Bureau and is rated an average of 1.48 out of 5 stars based on almost 2,000 reviews.

Why we chose it: American Residential Warranty is our best choice for availability because it provides services everywhere in the U.S. ARW has three home service plans, several water and sewer line plans and an electronics plan.

The Ultimate Electronics Protection plan covers electronics in your home, like computers, televisions, printers and gaming consoles for $24.99 per month. The Kitchen Plus plan covers your kitchen appliances and interior electrical system for $40 per month.

The Appliance Max plan is $40.99 per month and covers all of your kitchen appliances and washer and dryer. Systems Max is $54.99 per month and includes heating and cooling systems, internal plumbing and accessories and interior electrical systems. The most robust coverage is $74.99 per month and includes kitchen and laundry appliances, internal plumbing and accessories and electrical systems and accessories. You’ll pay a service call fee of $55 in most cases.

Customer reviews for ARW are lower than many of its competitors, with a score of 1.66 out of 5 stars on the Better Business Bureau website.

Other home warranty companies in Florida we considered

Liberty Home Guard

Liberty Home Guard has a very high customer satisfaction rate — reviews on the Better Business Bureau website rate it at an average of 4.52 out of 5 stars based on 2,526 customer reviews. This is very high for a home warranty company, as many receive a rating of fewer than two stars. However the company is relatively new to the business.

Liberty Home Guard’s prices are affordable — its plans cost between about $50 and $60 per month. Service calls cost between $65 and $125 per claim.

Cinch Home Services

Cinch Home Services organizes its plans differently than many home warranty companies. Lower-tier plans cover kitchen and laundry appliances, whereas many other companies tend to cover systems in lower-tiered plans. It also covers unknown pre-existing conditions.

Cinch’s plans are very affordable. They range from $30 to $45 per month, but its service fees are on the high side — between $100 and $150.

The Home Service Club

Home Service Club only has two plans, but there are many add-ons to choose from to customize your coverage.

The Home Service Club’s plans are average for the industry, ranging in price from $30 to $45 per month. Homeowners can choose a deductible of $100, $125 or $150. However, there’s a relatively high maximum for its service fees, which range from $65 to $125. Notably, the company has extremely low ratings from customers and an F rating from the BBB.

Home Warranty Companies in Florida Guide

How to choose the best home warranty plan in Florida

Home warranties can be challenging to shop for because there are so many from which to choose. Each offers different coverage and plan options. Here are some things to be aware of when choosing a home warranty for your Florida home.

Consider the Florida climate when deciding your coverage needs

The Florida climate is the most tropical of all the continental states in the country. It’s very hot and humid, with heavy rainfall during certain months of the year and a frequent risk of hurricanes during the summer.

It’s important to take these factors into consideration when selecting a home warranty plan in Florida. Note that many home warranty companies have reduced add-on coverage for roofs. You should ensure that your air conditioning unit(s) are covered, and take inventory of other items in and outside of your home that may need coverage, such as a pool.

Compare several companies before coming to a decision

After you’ve made your list of appliances and expensive items needing coverage, it’s time to compare home warranty companies. This typically includes the following:

• Compare several companies by their prices and how well their plans fit your needs
• Evaluate the service fees of each plan
• Check coverage caps and ensure that your appliances and systems are covered up to the cost of repair or replacement
• Compare workmanship guarantees on work completed — a longer guarantee is preferable to avoid recurring service costs

Check satisfaction ratings

Customer satisfaction ratings are a great way to gauge how reliable and helpful a home warranty company is. Before signing up for a plan, you should do the following:

• Check customer satisfaction ratings of companies
• Look for reviews on the Better Business Bureau and other review sites
• Identify any lawsuits against the companies being compared

What does a home warranty company cover?

Home warranty companies in Florida typically cover major appliances and systems such as air conditioning, heating and plumbing. However, coverage can vary from one company to the next and may include add-on coverage for items such as roofing and pools. The following table provides an overview of commonly included and excluded items:

Covered	Not Covered
Air conditioners	Cosmetic items
Heaters	Pre-existing conditions
Plumbing systems	Code upgrades
Interior electrical systems	Structural damage
Refrigerators	Mismatched systems
Dishwashers	Stand-alone freezers
Garbage disposals
Built-in microwaves
Ceiling fans

How much does a home warranty cost in 2024?

Home warranty costs in Florida can vary significantly depending on the company, plan and additional coverage selections. Generally, the costs range between $47 and $80 per month — or around $560 to $960 per year — depending on your coverage and options. You’ll also pay a service fee for each claim you make. We researched average costs for single-family home warranties in Florida from several well-known companies. Use this as a guide but know that your price can vary significantly.

Company	Average Monthly Cost
Select Home Warranty	$44 to $48
Choice Home Warranty	$47 to $55
American Home Shield	$50 to $110
First Premier Home Warranty	$50 to $72

Who regulates home warranty companies in Florida?

Florida is among the states that have created regulations governing home warranty companies. A home warranty can only be written by a business with a license granted under Florida Statutes Section 624.303 or by an insurance company authorized by the state to write these contracts.

The warranty company must provide a complete sample of the terms and conditions if you request it. If you don’t request one, they are not required to provide the document. Also, the company may not need to provide you with a copy if they have a full sample on a website.

Home warranty companies are required to provide you with a list of all exclusions, restrictions or limitations. There must also be a written disclosure stating that “the rate charged for the contract is not subject to regulation by the Office of Insurance Regulation.”

Home warranty contracts can’t exclude coverage if there is rust or corrosion present unless the rust or corrosion caused the problem with an appliance or system. For air conditioners, if a contract excludes normal wear and tear on specific components of the system, it must offer an add-on or equivalent optional coverage to cover the components.

If your home warranty contract has no cancellation provision, it violates state law. You’re allowed a 10-day window where you are eligible for reimbursement of 100% of your total premiums, less any claims or a maximum administrative fee of 5%. Additionally, the company cannot raise your premiums — or impose a fee upon you — above the current cost of a new contract upon renewal unless a claims history warrants a raise.

Florida also allows consumers to file complaints about home warranty companies. If you have an issue, you can contact the Chief Financial Officer’s Division of Consumer Services:

• Online: Online Insurance Assistance
• Email: Consumer.Services@myfloridacfo.com
• Fax: (850) 413-1550
• Florida Insurance Consumer Helpline: Statewide/Toll-free: 1-877-693-5236; Local: (850) 413-3089

How We Chose the Best Home Warranty Companies in Florida

Choosing the best home warranty company in Florida requires identifying the most valuable features offered and comparing them. We evaluated home warranties in Florida across four main categories: the costs for the number of appliances and systems covered, the different types of coverage, how satisfied customers were with their coverage, costs and extra benefits.

Cost-effectiveness

We evaluated home warranty companies based on what their plans covered for what customers pay. The companies we chose have the most comprehensive Florida home warranty plans for the prices asked.

Coverage

Home warranties don’t always cover everything you might think they should for your price. The warranties we chose had to cover most systems and appliances at still-affordable prices.

Customer satisfaction

Home warranty companies have a reputation for poor customer satisfaction, but the narrative is beginning to change. Our chosen companies have all recently demonstrated at least a commitment to excellence in customer service by working with customers to resolve their concerns and issues.

Extra benefits

The home warranty industry has become very competitive, with companies offering ever-increasing coverage and benefits. Many companies we chose provide extra benefits like discounts and free coverage on some items. The most critical benefit many of our selections provided was a workmanship guarantee. Some of the guarantee periods may not have been very long, but the fact that these companies offer them demonstrates their attention to customer needs.

Summary of the Best Home Warranty Companies in Florida for 2024

• Choice Home Warranty – Best overall
• Home Serve – Best for individual system coverage
• American Home Shield – Best for plan flexibility
• AFC Home Club – Best for choosing your own contractor
• First Premier Warranty – Best promotions
• Select Home Warranty – Best value
• American Residential Warranty – Best for availability