Best Home Warranty Companies In Alabama

From the air conditioning system that keeps you comfortable in the summer to the water heater that provides you with hot showers every morning, your house is made up of thousands of dollars worth of systems and appliances. If you needed a major repair or replacement for one of these components, would you be able to cover the cost? Or would fixing that washing machine put your family into debt?

Home warranty plans can help you tackle major home repairs without spending thousands of dollars. When you sign onto a home warranty, you’ll pay a monthly fee to your plan provider. If one of your home appliances or systems breaks down, you’ll only pay a small service fee to have it repaired. To learn more about your home warranty options, read our guide on the best companies below.

Alabama’s top 5 home warranty companies

Top home maintenance problems in Alabama

Characterized by sweltering summers, Alabama’s climate can cause homeowners to deal with some unique issues not found in other parts of the country. Keep reading to learn about some of these maintenance problems.

• Air conditioner damage: With regular summer temperatures topping 90 degrees, Alabama sees some of the hottest weather in the United States. These high temperatures can put strain on your air conditioning system, increasing the likelihood of damage. A home warranty systems plan can help you repair these units without spending thousands of dollars.
• Refrigerator breakdowns: High temperatures don’t only cause your HVAC system to work overtime—they can also lead to increased electrical usage for your freezer and refrigerator. As these systems struggle to fight off hot air to keep your food cool, they might suffer a breakdown. Home warranty policies that include appliance coverage almost always cover damage to refrigerators.
• Electrical issues: High humidity accompanies high temperatures, which can corrode circuits in your electrical system. As one of the home’s most expensive systems, be sure that your home warranty plan includes electrical system coverage for peace of mind. 

1. Liberty Home Guard

Liberty Home Guard is one of the highest-rated home warranty providers in Alabama, with accreditation from the Better Business Bureau and an average customer rating above 4.5 stars out of 5. 

Liberty Home Guard currently offers three plan tiers. The company’s Appliance Guard plan covers nine home appliances, while the System Guard plan covers six essential home systems. Liberty’s Total Guard plan is its most comprehensive plan, offering coverage for everything in both the Appliance Guard and System Guard plans at a lower price. 

Here’s what you can expect to pay per month and per year for your coverage from Liberty Home Guard:

You’ll also pay a $60 service fee directly to your technician each time you call for a repair or replacement. This is lower than the average of $75-$125.

Claim a free quote from Liberty Home Guard by filling out this online form or calling 866-451-2281. 

2. Select Home Warranty 

Homeowners who are looking for an affordable home protection plan should consider Select Home Warranty. Select offers some of the state’s most affordable plans, with coverage available for less than $38 a month. 

Select Home Warranty offers three plans. Its Gold Care plan covers six home systems, while its Bronze Care plan includes coverage for eight home appliances. Select’s most comprehensive plan is its Platinum Care option, which includes everything found in both the Gold Care and Bronze Care plans plus a few extras. 

Take a look at how much Select Home Warranty costs on a monthly and yearly basis:

You’ll also pay a $75 service fee when you use your plan.

Claim a free quote from Select Home Warranty by filling out this online form or calling 888-370-3953. 

3. American Home Shield 

American Home Shield is one of the oldest home warranty providers in the country with nearly 50 years of experience providing policies. Along with the benefit of working with an experienced company, you also get generous coverage caps that prevent you from having to pay any out-of-pocket expenses when a repair bill is high.

American Home Shield offers three plan choices. The company’s Appliances Plan covers 10 home appliances, while the Systems Plan covers 12 home systems. American Home Shield’s Combo Plan combines all of the coverages in both the Appliances and Systems Plans.

Take a look at these pricing estimates from American Home Shield:

American Home Shield allows you to select a $75, $100, or $125 service fee due each time you use your plan. 

Claim a free quote from American Home Shield by filling out this online form or calling 888-365-2839.

4. America’s First Choice Home Club

America’s First Choice (AFC) Home Club guarantees the parts and labor of any performed repairs for the life of your membership, which means a repair is covered as long as you continue to renew your AFC policy.  

With four policy options, AFC Home Club offers the most coverage options out of the providers in this review. The company’s System Plan covers six home systems, while the Silver Plan offers coverage for nine home appliances. The Gold Plan includes all coverages found in both the System Plan and the Silver Plan. The Platinum Plan includes everything in the Gold Plan plus a few additional coverages not found in any previous plan, like coverage for plumbing stoppages.

Here’s what you can expect to pay for your AFC Home Club plan:

Like with American Home Shield, you get to choose your own service fee between $75 and $125.

Claim a free quote from AFC Home Club by filling out this online form or calling 877-755-1115. 

5. Choice Home Warranty

Unlike other providers in this review, all of Choice Home Warranty’s plans are combo plans. This means you can get basic coverage for both systems and appliances regardless of the plan you choose.

Choice Home Warranty’s Basic Plan includes coverage for 14 systems and appliances. The company’s Total Plan includes everything in the Basic Plan plus coverage for a washer, dryer, refrigerator, and air conditioner. 

This is how much Choice Home Warranty costs:

Choice Home Warranty’s service fee is $80.

Claim a free quote from Choice Home Warranty by filling out this online form or calling 929-400-6164.   

Alabama home warranty buying guide

With so many company choices, how can you know which home warranty in Alabama is right for you? Most homeowners begin by comparing home warranties in terms of price, coverage, and customer service. However, be sure to also consider the following factors.

• Type of home: While every home warranty company will cover single-family homes, not everyone will cover other types of homes, like rental properties, mobile homes, condos, and duplexes. If you live in one of the latter, you’ll want to either look for a company that explicitly states they cover your type of home on its website or call the company to verify.
• Discounts: Looking to save on your home warranty? Consider choosing a company that provides discounts and special offers, like the first few months of coverage free or discounts for multi-year policies.
• Policy transparency: Though there are plenty of legitimate home warranty companies out there, some companies have long contracts full of fine print. The aim of these companies is to limit the situations in which you can use your coverage. We recommend avoiding companies whose terms and conditions are long and confusing to understand.

Our conclusion

From monthly price to reputation, we considered a wide range of factors when deciding which home warranty companies to recommend to Alabama homeowners. To figure out which of our five providers will work best for your home, get custom quotes from each to see how your specific home will affect the coverage and pricing options available to you.

Frequently asked questions about Alabama home warranties

What is a waiting period?

A waiting period is the amount of time you have to wait after purchasing a plan before you can use it. Most home warranty companies have a 30-day waiting period. This prevents homeowners from purchasing a policy just so that they can get coverage for an already broken system or appliance.

Do home warranties cover pools?

Most home warranties don’t cover pools and spas in their base policies. However, you can usually add this type of coverage to your plan for a little more per month through an optional add-on.

What’s the difference between a manufacturer’s warranty and a home warranty?

A manufacturer’s warranty comes from the manufacturer of a system or appliance, and it usually only covers defects to the component at the beginning of its life. A home warranty is issued by a third-party company and includes coverage for a range of appliances and systems at once regardless of their age.