By Dan Simms
Updated Jan 10, 2023
By Dan Simms
Updated Jan 10, 2023
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If you like warm weather and quick access to the ocean, Alabama can be a great place to live. Homeownership in Alabama comes with lots of great perks; however, there are times when owning an Alabama home can be stressful. With excessive heat and temperatures reaching over 100 degrees, HVAC systems and refrigerators face massive strain to run properly.
Home warranties in Alabama serve to cover these systems and appliances, plus much more. Finding the best home warranty for your needs and budget is a crucial part of keeping your home protected and maximizing your peace of mind.
There are more than 50 home warranty companies in the state of Alabama. Some of these home warranty companies may seem like they are offering a great deal, and then, in reality, their coverage is not all that great. When we compare home warranty companies, we look at things like plan choices, service fees, coverage caps, overall coverage choices, and more. Here is how the top five plans in Alabama ranked.
When comparing home warranty companies in Alabama, there are several essential features you should look for. Here are the top three we recommend:
Why Trust House Method
House Method’s Experts collected and analyzed 2000+ critical data points to identify what makes a great home warranty company in the eye of the consumer. Our reviews team used this data to assess over 60 home warranty providers for coverage extent, annual cost, and national availability to provide unbiased reviews so homeowners can confidently navigate key decisions about their homes.
Choice Home Warranty was rated 4.9/5 stars as the best overall home warranty in the state of Alabama. For the last 13 years, Choice Home Warranty has been offering homeowners some of the best warranty coverage on the market. Even after 13 years in the industry, Choice still has a B- rating with the BBB, which is quite high for the home warranty industry. If you are looking for a policy with a simple and straightforward plan and fair coverage limits, Choice is the answer.
Pros
Cons
Choice Home Warranty offers two plans, both of which are combination plans for both systems and appliances. Most companies make you pay extra for a premium plan that would offer this kind of comprehensive coverage. In addition, Choice Home Warranty has plenty of add-on options that you can include with your home warranty to cover all areas of your home. The coverage caps are quite high — up to $2,500 — and the service fee is $85.
Here’s a detailed look at Choice Home Warranty’s coverage:
In case the plans above aren’t comprehensive enough for you, Choice Home Warranty also has add-on services for additional coverage. You can choose from coverage for:
Plan | Cost Per Month | Annual Cost | Service Fee |
Basic Plan | $45 | $560 | $85 |
Total Plan | $53.33 | $660 | $85 |
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
For more information, read our Choice Home Warranty Review.
Select Home Warranty is the most cost-effective home warranty plan for Alabama homeowners, and thus earned 4.8/5 stars based on our methodology. Select offers three home warranty plans, which average $44.77 per month—over $6 less than the industry average! Not only are Select’s monthly premiums affordable, but its service fee is just $60 per month, which is $16 under the average and the lowest on the market. If you are a homeowner looking for an Alabama home warranty that won’t break the bank, this is the best choice.
Pros
Cons
Select Home Warranty plans come in three different options. There is a systems plan, an appliance plan, and then a combo plan to choose from. Although the systems plan and appliance plan are great, the combo plan is just a few dollars more and includes all of the impressive coverage of the other two plans. Select Home Warranty also throws in free roof leak coverage with the purchase of any of their plans.
Here’s a detailed look at Select Home Warranty’s coverage:
Like many other home warranty companies, Select Home Warranty offers add-on coverage for an additional fee. The additional coverage options include:
Plan | Cost Per Month | Annual Cost | Service Fee |
Bronze Care | $44.42 | $479.99 | $60 |
Gold Care | $44.42 | $479.99 | $60 |
Platinum Care | $47.75 | $524.99 | $60 |
Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.
Read our Select Home Warranty review to learn more.
American Home Shield (AHS) has the most customizable plans in the home warranty industry. If your Alabama home has unique features or high-end appliances, the premium coverage from American Home Shield offers an applicable add-on. For more flexibility, AHS allows its customers to choose from a $75, $100, or $125 service fee, which in turn affects the monthly payment cost. This company has been offering home warranties to Alabama residents for more than 50 years, and with its comprehensive plans and customer service, it’s no wonder AHS is a household name.
Pros
Cons
There are three American Home Shield plans to choose from. The two comprehensive plan options tend to be the most popular. These plans cover a variety of appliances and systems for ultimate peace of mind. In addition, American Home Shield’s plans are known for their great add-on coverage, especially for pools and spas. You can build out an American Home Shield plan to work precisely for your needs. Coverage caps range from $3,000 to unlimited amounts, and you can choose from service fees between $75 and $150.
Here’s a detailed look at American Home Shield’s coverage:
For customers who want even more coverage options, AHS also provides add-on services if you’re willing to pay a bit extra. These include:
Plan | Cost Per Month ($75 service fee) | Cost Per Month ($100 service fee) | Cost Per Month ($125 service fee) |
ShieldSilver | $44.27 | $34.27 | $29.27 |
ShieldGold | $54.27 | $44.27 | $39.27 |
ShieldPlatinum | $74.27 | $64.27 | $59.27 |
To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839.
To read more, visit our American Home Shield review.
The Home Service Club (HSC) was rated as the Alabama home warranty with the “quickest coverage” and earned 4.6/5 stars. HSC home warranty coverage kicks in as little as 10 days after signing up for a policy; this is 20 days shorter than the traditional 30-day waiting period. Additionally, HSC doesn’t require policyholders to have a home inspection prior to receiving coverage. These benefits make it a popular company with first-time homebuyers and sellers, and the fourth top-rated Alabama home warranty on our list.
Pros
Cons
The Home Service Club offers two plans, one for Standard Coverage and the other for Comprehensive Coverage. The Standard Plan includes protection for both appliances and home systems, making it somewhat unique in the industry. The Comprehensive plan protects everything in the Standard option and adds much more to the coverage. The coverage caps from The Home Service Club can be as low as $500 or reach up to $2,500, making them about average in most cases. You can customize your service fee between $65 and $125.
Here’s a detailed look at The Home Service Club’s coverage:
The comprehensive plan includes most appliances and systems that you might want to be covered, but you can customize your coverage using the add-on services below:
Plan | Cost Per Month | Annual Cost | Service Fee |
Standard Coverage Plan | $50 | $650 | $60-$95 |
Comprehensive Coverage Plan | $62.90 | $800 | $60-$95 |
If you’re ready to get a free quote from The Home Service Club, you can fill out this contact form or call HSC at 800-842-9334.
For more information on this company, you can check out our complete Home Service Club review.
Liberty Home Guard is the most trustworthy home warranty company in the state of Alabama and earned 4.5 out of 5 stars based on our methodology. Although it’s only been on the market for four years, LGH has earned a BBB rating of A, which is unheard of in this industry. In addition to several thousand positive reviews and a low claim denial rate, LHG engages its customers with an easy-access chat feature and seamless claim filing processes. It’s clear that LHG puts its policyholders as the #1 priority, and even offers plans as low as $1 per day.
Pros
Cons
Liberty Home Guard has three plans to choose from. There is a systems plan, appliance plan, and combo plan, all of which with high coverage caps of $2,500 per item. However, one of the things that really makes Liberty Home Guard stand out is the list of 40+ add-on coverage options. If you have any unique features to your home that you would like to see covered as part of the plan, the Liberty Home Guard home warranty is an ideal choice.
Here’s a detailed look at Liberty Home Guard’s coverage:
One of the most appealing aspects of going with LHG is the extent of the add-on products available to supplement the already comprehensive plans. You can choose additional coverage for:
Plan | Cost Per Month | Annual Cost | Service Fee |
Appliance Guard | $64.99 | $700 | $75 |
Systems Guard | $69.99 | $750 | $75 |
Total Home Guard | $74.99 | $800 | $75 |
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
To learn more information, visit our Liberty Home Guard review.
If looking for a local home warranty, check out our top home warranty companies in the most popular Alabama cities across the state.
Home Warranty Company | Choice Home Warranty | Select Home Warranty | American Home Shield | The Home Service Club | Liberty Home Guard |
Our Rating | 9.7 | 9.5 | 9.6 | 9.4 | 9.3 |
Best For | Best Overall | Most Cost-Effective Plans | Best Customization Options | Fastest Service | Most Trustworthy |
Average Cost | $50 per month | $60 per month | $45 per month | $56 per month | $70 per month |
Service Fee | $85 | $75 | $75-$125 | $75 | $60 |
Annual Limit | $3,000 | $2,000 | $3,000 to unlimited | $350-$2,000 | $2,000-$2,500 |
Average Response Time | Up to 48 hours | Up to 48 hours | Up to 48 hours | Within 24 hours | Within 24 hours |
State Availability | 49 States | 46 States | 49 States | 50 States | 47 States |
Online Chat / Mobile App | No | No | No | No | Online Chat |
Quote | Get Quote | Get Quote | Get Quote | Get Quote | Get Quote |
A home warranty is a service contract that covers repairs and replacements of the home’s major appliances and systems that break down due to normal wear and tear. Some home warranties have add-on coverages for unique items and customizable protection plans.
Home warranties require a monthly payment for access to the coverage, plus a service fee if you ever file a claim and need an inspection or some kind of repair or replacement. Most claims are filed online and your home warranty provider will send a dedicated service technician to fix the issues covered by your plan.
For more information about the typical coverages of an Alabama home warranty, watch this video:
Once you’re fully covered, approximately 30 days after signing up, any issue in your home that is included in your home warranty can be reported to your home warranty provider. The entire process is quick and painless:
Most homeowners in Alabama are pleased with their home warranties and find that they are worth the investment. However, there are some complaints about plans and providers that pop up from time to time.
Most often, homeowners in Alabama use home warranties to cover HVAC and air conditioning issues, as this equipment is most likely to fail, given the excessive heat in the summer months. Some residents complain that air conditioning system issues aren’t covered even after getting a home warranty, mostly because the problem is determined to have stemmed from a lack of service.
Another common complaint about home warranties in Alabama is that the pool coverage isn’t adequate for the issues that pop up most commonly. These issues stem from not reading coverage agreements carefully, so it’s important to review your agreement — especially the parts that matter to you most — before signing anything.
Home warranties are helpful for all homeowners, but they’re particularly useful for Alabamans. One of the reasons home warranties are so popular is the weather, which is hot and humid. Summer temperatures average in the 80s through most of the summer and reach into the 90s at the peak of warm weather. Most Alabama homeowners run their air conditioners from April through October, and excessive use can cause damages and breakdowns that are covered by most home warranty options.
Similarly, many home warranties cover ceiling fans, either as a part of their normal plans or as add-on options. Ceiling fans not only help alleviate the need for some AC usage in the spring and fall, but they also help cooled air feel more comfortable. Again, constant use in the hot months can cause damages that can be costly to repair or replace.
It only takes one or two repairs to your home to realize that a home warranty is well worth the money you pay. Think about having your washing machine and your dryer go down at the same time — an unfortunately common occurrence, since most homeowners buy both together. The quote to fix them averages around $900. Similarly, the average cost for a service call from a plumber or an HVAC technician is around $300, and certain repairs and replacement costs can easily reach over $1,000.
Virtually any homeowner can benefit immensely from a home warranty. They help reduce the costs of repairing or replacing damaged items in your home, and they cover things your home insurance doesn’t, like appliances and home systems. With that being said, new home buyers, home sellers, and those who live in aging homes will benefit most.
If you’re a buyer in the real estate market, you’re moving into the unknown. You might have an inspection done to rule out major issues, but you never know when your HVAC system will go down, when a roof leak will pop up, or when an appliance will suddenly stop working. The last thing you want to do is pay hundreds or thousands of dollars for repairs just after moving in, and a home warranty can help prevent that. Sellers can benefit from home warranties because they often cover repairs that buyers might demand before closing.
Lastly, older homes are more likely to experience issues. Having a home warranty can help protect you from expensive repairs or replacements that pop up more than they would in newer construction.
No single home warranty company will be ideal for all Alabama homeowners. All companies vary and have their upsides and drawbacks, so it’s best to find the one that meets your specific needs and fits into your budget. With that being said, our top-rated home warranty company in Alabama is Choice Home Warranty. This company is affordable, provides outstanding coverage, and maintains a reputation for excellent customer service.
Tornadoes are more common in Alabama than in most other states, with homeowners experiencing over 70 per year, on average. Home warranties typically do not cover damages caused by tornadoes, but your homeowners insurance very likely will.
Most home warranties offer coverage for HVAC systems and ductwork, which is something most Alabama homeowners need, given how often they use their AC equipment. If the provider you choose offers a comprehensive plan, chances are your HVAC system will be covered. If you choose an appliance-only option, it won’t, but a home systems-only option should.
y often cover repairs that buyers might demand before closing.
Lastly, older homes are more likely to experience issues. Having a home warranty can help protect you from expensive repairs or replacements that pop up more than they would in newer construction.
No single home warranty company will be ideal for all Alabama homeowners. All companies vary and have their upsides and drawbacks, so it’s best to find the one that meets your specific needs and fits into your budget. With that being said, our top-rated home warranty company in Alabama is Choice Home Warranty. This company is affordable, provides outstanding coverage, and maintains a reputation for excellent customer service.
Tornadoes are more common in Alabama than in most other states, with homeowners experiencing over 70 per year, on average. Home warranties typically do not cover damages caused by tornadoes, but your homeowner’s insurance very likely will.
Most home warranties offer coverage for HVAC systems and ductwork, which is something most Alabama homeowners need, given how often they use their AC equipment. If the provider you choose offers a comprehensive plan, chances are your HVAC system will be covered. If you choose an appliance-only option, it won’t, but a home systems-only option should.
At House Method, transparency and trust are our most important values for the reader.
To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.
We developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria. We used a five-point scale with a point index ranging from 0.00 to 1.00. The minimum awardable value is 0.0, whereas 1.00 is the maximum. These numeric points are translated into star ratings, using whole star increments between one and five.
Here is a quick breakdown of our five core scoring categories:
Additional Alabama Home Warranty Resources
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