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8 Best Home Warranty Companies in Utah for 2023
By Victor Rosario MONEY RESEARCH COLLECTIVE
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- Members Can Save Up to 50% at Nike, Costco, Home Depot & 1000’s more
- Online Business Bureau Accredited with A+ Rating
- Covers Major Home Systems, HVAC & Appliances
- Free Roof Coverage, No Inspection Needed
24/7 support whenever your appliances fail
- Large network of independent prescreened contractors and qualified technicians
- In business for over 30 years
- Good coverage on home systems
- Does not cover pre-existing issues
- They will replace items that fail if they can't be fixed regardless of age, make or model
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- Industry leader since 1971
- More than $2 Billion in claims paid in last 5 years
- More than 2 Million customers served
- No inspection or maintenance records required
- 30-day workmanship guarantee
A home warranty is a service contract that covers the repair or replacement of appliances and systems in a home. It is a great way for homeowners in Utah to ensure their home’s appliances and systems are in good working order and to avoid unexpected expenses.
Before purchasing a home warranty, it is important to understand what it covers, how much it costs and who regulates home warranty companies in Utah. Additionally, understanding how a home warranty works and the monthly costs involved can help homeowners and home buyers make informed decisions when choosing the right home warranty provider.
In this article, we’ll go over the 8 best home warranty companies in Utah and what they have to offer.
Our Top Picks for Best Home Warranty Companies in Utah
- Best overall: Liberty Home Guard
- Best unlimited coverage for systems repairs: American Home Shield
- Best low-cost combo plan: Select Home Warranty
- Best for no-inspection coverage: Choice Home Warranty
- Best for HVACs: AFC Home Club
- First Premier Home Warranty
- Cinch Home Services
- First American Home Warranty
Table of Contents
- Best Home Warranty Companies in Utah Reviews
- Best Home Warranty Companies in Utah Guide
- FAQs
- How we chose the Best Home Warranty Companies in Utah
Best Home Warranty Companies in Utah Reviews
Best Overall: Liberty Home Guard
- Customize your plan with a very wide range of add-on coverages
- Offers systems-only, appliances-only and combination plans
- Some customers have reported slow response times for service requests
- More than 500 complaints made to the Better Business Bureau
Liberty Home Guard offers a choice of three home warranty plans with self-explanatory names: Appliance Guard, Systems Guard and Total Home Guard. It may sound funny, but with so many companies giving their plans meaningless names —precious metals are favored by most— we appreciate Liberty Home Guard’s efforts to keep things simple and transparent.
The company’s Appliance Guard Plan costs $49.99 per month and includes coverage for nine common kitchen and laundry room appliances. Garbage disposals, ceiling and exhaust fans, and garage door openers are among the items covered by the plan.
Liberty Home Guard’s Systems Guard plan is available for $54.99 per month. It covers heating, air conditioning, plumbing, electrical systems and hot water heaters. Ductwork is included in the company’s HVAC coverage.
Liberty Home Guard’s Total Home Guard plan costs $59.99 per month. It includes coverage for all items in their two lower-priced plans. All plans reflect a service call fee of $125, but the company does allow you to opt for a lower service call fee — as low as $65.
Liberty Home Guard stands out for its very wide range of optional coverages: we counted about thirty. They include some very popular add-ons —second refrigerators, well pumps and septic pumping — and a few obscure items, too. Notably, you can purchase coverage for pro-series appliances, which are often excluded under home warranties, and even some maintenance services, such as carpet cleaning and exterior power washing. You can also purchase coverage for your electronic devices.
Best for Unlimited Coverage for Systems Repairs: American Home Shield
- Over 50 years in business
- Unlimited coverage for covered system repairs
- Covers items with no maintenance records
- Covers breakdowns of appliances that haven't been properly maintained
- Free removal of items that need replacement
- More expensive than other plans
American Home Shield has been in business since 1971. In 1989, the company was acquired by Service Master, a 100-year-old company and one of the best-known and most experienced companies in the home service category. So when it comes to experience and street cred, American Home Shield lands at the top of our list.
The company also stands out for having fewer exclusions than other home warranty companies and for placing no limits on system coverage. Appliances that have been neglected are still eligible for breakdown coverage. With no limits on systems coverage, an American Home Shield warranty can save you thousands of dollars should your heating system need replacement, for example.
The ShieldSilver plan covers four major systems in your home: heating, cooling, electrical and plumbing. The ShieldGold plan adds in coverage for kitchen and laundry room appliances. The ShieldPlatinum plan includes everything covered in the two less expensive plans and adds in limited roof leak coverage, free HVAC tune-ups and unlimited refilling of A/C refrigerant. It also includes coverage for repairs made necessary by code violations, which are normally excluded by home warranty plans.
Best Low-Cost Combo Plan: Select Home Warranty
- Offers individual plans for systems or appliances
- Low-cost combo plan
- Discounts for multiple-year plans
- Limited roof leak coverage available
- Fewer add-on coverage options than competitive plans
- Low coverage limits for appliances, electrical systems, and plumbing systems ($500)
- More exclusions than other plans
Select Home Warranty offers homeowners a choice of three plans. You can select an appliance plan, a systems plan, or a plan that includes both. Its appliances-only Bronze Care plan includes coverage for washers and dryers, refrigerators, stoves, built-in microwaves and garbage disposals. Its systems-only Gold Care plan covers HVAC, electrical and plumbing systems, as well as water heaters and ductwork.
Its Platinum Care plan is among the least expensive combo plans we’ve come across during our review process and includes limited roof leak coverage. But Select Home Warranty’s low costs may be offset by its low coverage limits on certain systems and appliances. For example, its coverage limit on appliances is $500. Especially in today’s inflationary times, you’d be hard-pressed to find a decent refrigerator for under $1,000.
Best for No-Inspection Coverage: Choice Home Warranty
- First month free when you select an annual plan
- Two combination systems-and-appliances plans to choose from
- Publishes an informative homeowner's blog
- Refrigerators not covered in its lowest-cost plan
- Only covers properly maintained systems and appliances
- No sample contract provided on website
Choice Home Warranty offers two customizable plans that can be tailored to fit the specific needs of a wide range of properties. Choice Home Warranty’s plans are a good value, providing broad coverage at moderate prices.
Choice Home Warranty is one of several companies that do not require a home inspection before a policy is issued. However, it’s important to note that the company reserves the right to deny coverage for any known or unknown pre-existing condition. This is an important consideration for homeowners who don’t quite know what they’re getting into when they buy an existing home.
Best for HVACs: AFC Home Club
- HVAC systems excluded from coverage caps
- Member of the NHSCA
- User-friendly website with a personalized quote calculator
- 30-day waiting period
- Excludes pre-existing issues from coverage
AFC Home Club is a home warranty company that offers hybrid policies covering many common home systems and appliances. It has a user-friendly service cap of $1,500 to $2,000, with HVAC systems exempt from coverage caps, which is why we chose it as the best home warranty for HVAC. The company requires a 30-day waiting period and has a base-level contract with annual premiums starting at $395, which includes a 30-day refund policy and pro-rated refund policy after that period.
AFC Home Club has competitive service fees and allows customers to work with out-of-network contractors. The company is a member of the NHSCA and is BBB accredited with a B rating. It has a user-friendly website with a personalized free quote calculator and detailed information on coverage for each item.
Other companies we considered
First Premier Home Warranty
First Premier Home Warranty, a New York-based company, provides home warranty services to homeowners throughout the United States. Established in 2020, the company has a focus on providing customized warranty plans and offers two different plans, the Premier Plan and the Premier Platinum plan, along with various coverage options to make the plans more comprehensive.
It’s important to note that the basic Premier Plan does not cover certain appliances like the refrigerator, washer and dryer. Customers must either choose the Premier Platinum plan or add the specialty coverage options for coverage of these items. The specialty options offered include coverage for pools, spas, sump pumps and duplicate appliances.
The cost of First Premier Home Warranty is higher compared to others and choosing specialized coverage for items that are typically included in a standard plan may increase the policy cost. Policyholders can purchase the warranty either monthly or annually.
The Better Business Bureau has assigned an A- rating to First Premier Home Warranty, and customer reviews on their website have an average 5-star rating. On Trustpilot, the company has received a 4-star rating.
Cinch Home Services
Cinch Home Services is a home warranty company based in Boca Raton, Florida that provides coverage for appliances and home systems in 48 states (excluding Alaska and Hawaii).
They offer three plans starting at $27.99/month, which include a workmanship guarantee.
Cinch’s Complete Home Plan offers both appliance and home systems coverage, as well as additional benefits like $500 insurance deductible reimbursement and sump pump coverage.
Cinch has received accreditation from ConsumerAffairs and the Better Business Bureau and has won 41 Stevie Awards for customer service and sales excellence.
First American Home Warranty
First American Home Warranty is a provider of home warranty services in the United States, offering two main plans, Basic and Premier. The Premier plan provides comprehensive coverage for home systems and appliances, with options to customize coverage. First American has higher coverage limits, affordable service call fees, and a large network of prescreened contractors and technicians.
The company’s contracts are easy-to-understand and clearly defined, though cancellation policies vary by location. First American is accredited by the Better Business Bureau with a B+ rating, and has a composite score of 2.82 out of 5 stars based on customer reviews, with some negative feedback on customer service and claim handling.
Best Home Warranty Companies in Utah Guide
Main things to know before purchasing a home warranty in Utah
- Home warranties cover appliances and systems in your home, such as your washer, dryer, refrigerator, water heater, heating and air conditioning system, and others.
- The cost of a home warranty can vary depending on the type of coverage you choose, but the average cost is around $300 to $500 per year.
- The Utah Division of Real Estate regulates home warranty companies in Utah.
- Home warranties work by requiring you to pay a deductible or service fee when you request service, and then the home warranty company will cover the rest of the cost to repair or replace the covered item.
- When choosing a home warranty company, consider what is covered, the pricing and the company’s reputation and customer service.
- It’s important to know the difference between home warranty vs home insurance.
What does a home warranty company in Utah cover?
A home warranty in Utah can cover various appliances and systems in your home, including:
- Washer and dryer
- Refrigerator
- Water heater
- Air conditioners and air conditioning systems
- Electrical system
- Plumbing system
- Ductwork
- Cooktops
- Garage door openers
- Built-in microwaves
- Garbage disposal
- Heating systems
- Ice makers
- Water dispenser
- Doorbells
- Trash compactors
- Sprinkler systems
- Exhaust fans
- Other system and appliance coverage
How much does a home warranty cost in Utah?
The cost of a Utah home warranty can range from $300 to $500 per year, depending on the type of coverage and the company you choose. Some companies offer comprehensive coverage that includes a wide range of appliances and systems, while others offer more basic coverage options, with additional coverage available.
Who regulates home warranty companies in Utah?
The Utah Division of Real Estate regulates home warranty companies in Utah to ensure they follow state laws and regulations.
How does a home warranty work?
A home warranty works by requiring you to pay a deductible or service fee when you request service, and then the home warranty company will cover the rest of the cost to repair or replace the covered item. The cost of the deductible or service fee can vary depending on the company and the type of coverage you choose.
Home Warranties in Utah FAQs
Is a home warranty required in Utah?
How to cancel a home warranty in Utah?
Who pays for the home warranty, the buyer or the seller?
How long does a home warranty last in Utah?
The length of a home warranty in Utah varies by provider and plan, but most home warranties last for one year from the date of activation. Some providers offer renewable contracts that can be extended for another year, while others offer multi-year contracts.
The length of your home warranty can have a significant impact on the cost of your coverage, so be sure to consider the length of the contract when choosing a provider and plan. Some providers offer discounts for multi-year contracts, so be sure to ask about this when comparing your options.
What is the service fee for a home warranty in Utah?
The service fee for a home warranty in Utah is typically a flat fee that is charged each time you file a home warranty claim. This fee is intended to cover the cost of the service technician who will repair or replace the covered item.
The amount of the service fee varies by provider and plan, and can range from $50 to $100 or more. Be sure to ask about the service fee when comparing home warranty providers, as this can have a significant impact on the overall cost of your coverage.
When is the best time to buy a home warranty in Utah?
The best time to buy a home warranty in Utah is typically when you are in the process of buying a home. This is because home warranties are often included as part of the real estate transaction and can be a valuable benefit for new homeowners.
However, you can also buy a home warranty at any time, regardless of whether you are buying a home or not. If you have recently moved into a new home or have an older home, a home warranty can provide peace of mind and help protect your finances in the event of a system or appliance breakdown.
In conclusion, a home warranty can be a valuable investment for Utah homeowners, providing protection for your home's major systems and appliances and giving you peace of mind. When choosing a home warranty provider, be sure to consider the cost, coverage options, and level of customer service, and compare your options to find the best home warranty company for you.
How We Chose the Best Home Warranty Companies in Utah
To determine the best home warranty companies in Utah, we evaluated a number of key factors, including coverage options, pricing, customer reviews, and overall reputation.
We also considered the types of coverage offered by each company, such as comprehensive plans that cover both home systems and appliances, or more limited coverage that only covers specific items.
Furthermore, we analyzed the pricing of each home warranty company, including the cost of the monthly premium, the service call fee and any deductible or copay. This allowed us to identify companies that offer affordable coverage without sacrificing quality or service.
In addition to this, we also looked at customer reviews and ratings of each home warranty company to get a better understanding of their overall reputation and level of customer satisfaction. By taking all of these factors into account, we were able to select the best home warranty companies in Utah that offer homeowners the coverage they need at a price they can afford.
