Arizona’s hot weather is no laughing matter, with temperatures easily reaching over 100 degrees Fahrenheit in many parts of the state. As a result, it’s not uncommon for homeowners to suddenly have their AC unit or other appliances go out under these extreme conditions. Unfortunately for many homeowners, sudden repairs or system replacements can easily cost thousands of dollars, which most of us don’t have lying around — that’s where a home warranty comes in. 

Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Coverage Limits
AHS Logo
VISIT SITE
Limited Time:
40% Off Our Most Popular Plan
Best Value
select home warranty logo
VISIT SITE
Limited Time:
$150 Off (Code HOUSE25)
Best Customer Ratings
VISIT SITE
Limited Time:
$150 Off + 1 Month Free

Now, I know what you’re thinking. Aren’t home warranties a scam? While there’s a lot of stigma surrounding these companies (some rightfully deserved), a good home warranty company can help you in these urgent situations and save you thousands of dollars over the plan’s life. 

I’ve researched dozens of home warranty companies and narrowed down my list to the top five home warranty companies in Arizona. As an Arizona native, I definitely understand the unique issues Arizonians face, especially in scorching hot areas of the state like Phoenix and Tucson. Keep reading to learn about the top five best home warranty companies in Arizona, graded on critical factors like coverage, customization options, customer service and reputation, and affordability so you can find a plan that meets both your needs and budget. 

Why Trust Us?

Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.

76

Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.

152

We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.

6

Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.

Read our full Home Warranty Review Methodology for more details.


Top 5 Arizona Home Warranty Companies

Highlights
  • Liberty Home Guard is my top choice for its excellent customization options, add-ons, emergency services, and strong customer reputation. But, if you have luxury appliances, I recommend Elite Home Warranty for its unmatched coverage caps of up to $6,000 for appliances and up to $10,000 for home systems.
  • When choosing a home warranty in Arizona, take into account the unique climate challenges the state poses, such as extreme heat waves becoming more frequent and more extreme as a result of climate change. Look for providers like Liberty Home Guard that include emergency services in their home warranty plans, the 24/7 response service offers you some peace of mind during excessive heat warnings.

My Expert Recommendation

While there are many high-quality home warranty companies out there, my top two picks after extensive research and secret shopping are Liberty Home Guard and Elite Home Warranty. Liberty Home Guard has incredible customization options, offering the most add-ons that I’ve seen from any home warranty company, including pest control and carpet cleaning. Liberty also offers emergency services, which is critical for anyone worrying about emergency repair services, such as your AC going out in the middle of a dangerous heat wave.

However, if you have luxury or high-end appliances, I strongly recommend Elite Home Warranty. This BBB-accredited company provides some of the best coverage caps in the industry (up to $6,000 for appliances and up to $10,000 for systems). This coverage level is practically unheard of, so I’d opt for this provider if my home housed more high-end appliances and home systems.

Today’s Homeowner Tips
While there are many high-quality home warranty companies out there, my top two picks after extensive research and secret shopping are Liberty Home Guard and Elite Home Warranty.

Arizona Home Warranty Companies I Didn’t Include

I didn’t include Landmark Home Warranty on this list because of its worrying  Better Business Bureau (BBB) rating, which is a D- at the time of writing this article. Despite Landmark’s 18 years in business, I wouldn’t be comfortable working with a company with many poor customer reviews, no BBB accreditation, and a litany of complaints. 

I also removed Choice Home Warranty from my list due to a consumer fraud lawsuit in Arizona from the Attorney General. While not finalized, I’m not comfortable recommending them to Arizona homeowners until the lawsuit is resolved and I can review the findings. 


Compare the Best Home Warranty Companies in Arizona

CompanyRatingMonthly CostService FeeResponse TimeBBB RatingLink

$50-$60

$75

12-48 hrs.

NR

VISIT SITE
AHS Logo

$35–$75

$100–$125

24-72 hrs

B

VISIT SITE

$44.99-$58.99

$70

48 hours

A+

VISIT SITE
choice home warranty logo

$46–$55

$85

24-48 hrs.

B

VISIT SITE
select home warranty logo

$52–$58

$60

24-48 hrs.

B

VISIT SITE
AFC Home Warranty logo

$38–$62

$75–$125

48 hours

B

VISIT SITE
first american logo

$38–$48

$75–$125

48 hours

B

VISIT SITE

$17–$60+

$65–$100

2–24 hrs

A-

VISIT SITE

$28–$68

$100–$150

2–24 hrs

B

VISIT SITE

Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.


Our Reviews of the Best Arizona Home Warranties

Best for Customization

Liberty Home Guard

4.6

Our Rating

Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage

If you have unique home additions or luxury Pro-Series appliances, Liberty is a must-have for its add-ons, which cover these and many other elements around the home. I love that you can add on pest control and carpet cleaning — two offerings I’ve yet to see from other home warranty companies. Its customer service is also top-notch, with excellent online reviews, an easy quote process, and a fast claim process. 

The only downside I’ve found with its customer service is the ambiguity around service fees, which aren’t clearly listed when you’re receiving an online quote. The other aspect of Liberty that gives me pause is its lower coverage caps of $2,000, which is, at best, average to below average for this industry. If you have luxury appliances, I’d skip this company and opt for American Home Shield or Elite Home Warranty, which have above-average coverage limits. 

If you don’t require higher coverage caps, Liberty is one of my top picks for its customization, affordable monthly premiums, great customer service, and extensive add-ons. 

Liberty Home Guard has outstanding customer service and an excellent customer reputation, with strong reviews on other trusted websites. Compared to many providers out there with subpar two to three-star averages, this is fantastic and definitely provides me with a lot of peace of mind. Liberty is also excellent regarding customization, with over 40 add-on options that give you novel options like coverage for a central vacuum, casita guest unit, and spa. These are often not offered by other companies, so if you have unique home features or Pro-Series appliances, take advantage of these offerings.

Despite Liberty’s fantastic customization options, it falls short with its coverage limits, which tap out at a maximum of $2,000 depending on the plan and appliance. This aspect is disappointing compared to other providers who usually offer at least $3,000 in coverage, with some, like Elite Home Warranty, offering as much as $6,000 (three times what Liberty does!). Another downside is that Liberty’s add-ons, while extensive, are more expensive than average, with many costing over $14.99 a month, which is higher than most add-ons in this industry; for reference, a quarter of Elite’s add-ons are priced at  5.99 per month.

I love that Liberty Home Guard offers an appliance plan, a systems plan, and a comprehensive plan combining both, on top of its extensive add-ons. You truly won’t find a better company for personalizing your plan to your exact needs and getting coverage for specialty services, like pest control, carpet cleaning, and unique appliances.  A unique aspect of Liberty’s plans is its 60-day workmanship guarantee, which is double the industry standard, giving you extra protection should a contractor not provide the best quality work. 

Personally, I’d choose the Total Home Guard plan for peace of mind that my home systems and appliances are covered, especially because it only cost $10 more than the more basic appliance plan when I received quotes.

During my secret shopping, I was offered two months free if I chose to pay annually, which would save me over $100 a year on a policy, depending on the plan and premium. Its website also offered me a $225 off coupon, so this provider certainly stands out for a wide variety of discounts. 

PlanMonthly CostService FeeAvailable Discounts
Appliance Guard$47.47$1252 months free, $225 off coupon
Systems Guard$52.49$1252 months free, $225 off coupon
Total Home Guard$57.49$1252 months free, $225 off coupon
Editor’s Note: The cost data mentioned in this article was sourced for a single-family home, 2 BR, under 5,000 square feet, in Phoenix, AZ. The cost data presented was accurate at the time of publication. 

Available Add-Ons

Liberty has an impressive line-up of available add-ons, more than nearly any other provider on the market. Here are the add-on options and prices I was quoted at the time of writing:

  • Pool and spa: $19.99/month
  • Additional spa: $9.99/month
  • Lawn sprinkler system: $9.99/month
  • Saltwater pool: $23.99/month
  • Generator: $19.99/month
  • Casita guest unit: $35.99/month
  • Sump pump: $8.99/month
  • Well pump: $12.99/month
  • Septic system pumping: $12.99/month
  • Ejector pump: $14.99/month
  • Grinder pump: $14.99/month
  • Limited roof leak: $11.99/month
  • Re-Key: $9.99/month
  • Gutter cleaning: $14.99/month
  • Pest control: $14.99/month
  • Carpet cleaning: $19.99/month
  • Window washing/cleaning: $19.99/month
  • Power washing (exterior flooring): $19.99/month
  • Central vacuum: $8.99/month
  • Stand-alone freezer: $5.99/month
  • Water softener: $13.99/month
  • Swamp cooler: $14.99/month
  • Second refrigerator: $7.99/month
  • Trash compactor: $7.49/month
  • Ice maker (in-fridge): $3.99/month
  • Freestanding ice maker: $14.99/month
  • Wine cooler/fridge: $11,99/month
  • Water dispenser water line: $4.99/month
  • Instant hot water dispenser: $9.99/month
  • Reverse osmosis water filter system: $14.99/month
  • Lighting fixtures: $7.99/month
  • Plumbing fixtures: $7.99/month
  • Electronics protection: $19.99/month
  • TV mounting (up to 65-inch TVs): $14.99/month
  • TV mounting (up to 85-inch TVs): $19.99/month
  • Pro-Series Refrigerator: $14.99/month
  • Pro-Series Stand Alone Freezer: $14.99/month
  • Pro-Series Range/Oven/Cooktop: $12.99/month
  • Pro-Series Dishwasher: $7.99/month
  • Pro-Series Microwave: $4.99/month
  • Pro-Series Washing Machine: $4.99/month
  • Pro-Series Clothes Dryer: $4.99/month

Compared to other providers, this is an incredible number of add-on offerings. While not inexpensive, these add-ons give you coverage for other home appliances or unique home features that aren’t typically available or covered by a home warranty, such as carpet cleaning, pest control, and TV mounting. If you have many of these appliances or features and want coverage, I’d look into Liberty for its unmatched add-on options. 

Exclusions

Liberty doesn’t cover the following items under any of its plans: 

  • Flues, vents, chimneys, and exhaust lines
  • Electronics, computerized, “smart,” or Internet/enabled components and parts
  • Filters associated with any covered items
  • Remote receiving and transmitting devices
  • Radon and other leak detection monitoring systems
  • Fire sprinkler systems
  • Lighting 
  • Solar systems and applications
  • Cosmetic defects
  • Disposal of appliances, systems, or components
  • Cranes or other specialty vehicles required to install, remove, or access your appliances or home systems
  • Glass parts
  • Noise

The only time you can receive coverage for some of these items is if you opt for Liberty’s add-ons which cover some of these exclusions, such as lighting or certain electronics, like TV mounting. During my research, I found that these are standard exclusions within the industry, so these wouldn’t be deal breakers for me personally. 

Liberty offers three monthly plans, which at $47.47 for the cheapest and $57.49 for the most expensive, are pretty average in pricing, making it an affordable company to choose from. Where you can run into trouble is with its add-ons, which are more costly than most, as the majority of them are $14.99 per month or more. 

I noticed that Liberty’s sample contract states it will cover up “to the covered item’s book value,” which means it’s unlikely LHG would reimburse you for the full amount your item was worth prior to depreciation. All covered items are also limited to a $2,000 cap, which is significantly less than other providers like American Home Warranty. 

Still, if you have unique appliances, like a reverse osmosis water filter or anything from the Pro-Series line, I’d consider Liberty Home Guard an excellent choice for its add-ons, which cover these typically not-covered items.

Liberty has a fairly strong customer service experience rating for its multiple points of contact after a quote and service guarantee. I found the quote process seamless, with detailed options that allowed me to customize my quote and play around with different levels of coverage quickly.

I’ve yet to come across a home warranty company that not only maintains a high average rating but does so consistently across thousands of reviews. If you are looking for a home warranty company with outstanding customer reviews to give you peace of mind that you’re choosing a provider who follows through with its claims, Liberty is my top recommendation. 

Positive reviews highlighted anything from above and beyond service from company representatives, fast turnaround times after submitting claims, and an easy claims process. The few negative reviews I spotted brought up issues with long claim wait periods and shady issues around charging more than the service fee listed. However, these claims were few and far between compared to the thousands of positive online reviews.

Rating SiteRatingNumber of Reviews
BBBNR*Customer Reviews are not used in the calculation of BBB Rating
Trustpilot4.72,236
Google4.79,693
Yelp1.348
*Under review due to recent complaints as of Feb 2024. Previously an “A+” rating. 
Editor’s Note: The ratings provided were accurate at the time of publication.

Note (as of 2/19/24): The Better Business Bureau recently shifted LHG’s A+ rating to “NR.” We reached out to a representative from the Better Business Bureau, and they told us, “This business is not currently rated. BBB has recently received numerous complaints against this business and will issue a rating after it has fully evaluated them.” When asked about whether they revoke ratings after an increase in complaints, the rep said, “Yes, if they feel they need to review the complaints first before issuing an accurate rating.” This scenario has happened to LHG twice in the last two years, but each time the BBB has restored its A+ rating after a thorough review.

Liberty Home Guard has an average claim response time of 12 hours. It offers emergency services for those times when a pipe bursts or your laundry machine starts leaking everywhere — these are major benefits that a lot of companies don’t offer or don’t provide to the same extent. According to my research, customers repeatedly praised Liberty for its fast and easy claim process and quick payouts, so this is a company I comfortably give a 10 out of 10 for above-and-beyond claim response time, handling of emergency situations, and its user-friendly process. 

Liberty Home Guard offers coverage in all 50 states and a 24/7 live chat feature, so you can easily get ahold of an agent at any time or day. 

Best Coverage Limits

American Home Shield

4.3

Our Rating

Limited Time:
40% Off Our Most Popular Plan

While not as affordable as other providers, few providers compete with its high coverage limits of up to $5,000 for home systems and up to $4,000 for home appliances. Most of the other companies that made this list have coverage limits closer to $3,000, making this high coverage limit a massive benefit if you have more systems and appliances or more high-end models than most households. 

Personally, I enjoyed my experience with the quote process and found American Home Shield’s website and quote system user-friendly and detailed compared to other providers. However, I wouldn’t personally choose to purchase a plan from this company unless it was the ShieldPlatinum plan because I found its other less expensive plan options not as comprehensive in terms of what appliances and systems were covered. For example, their ShieldGold plan only serves home systems and offers no coverage for appliances like your stove or refrigerator. 

American Home Shield is one of the only providers that offers roof leak protection (as either an add-on or included with its premium plan), which is a standout offering. I also like that American offers extensive coverage of up to $5,000 for home systems, like your HVAC system, and $2,000 to $4,000, depending on your plan, for home appliances. Most companies offer coverage up to $2,000 to $3,000 for home systems, so this is far more coverage than most, giving me extra peace of mind that even my priciest appliances are covered.

American Home Shield has received thousands of negative reviews on BBB in the last year, more than three times the amount that Select Home Warranty has received. It also received poor reviews on Trustpilot and Yelp, with lower than two-star averages, which gives me pause when considering working with this company. 

American Home Shield offers three plans, including ShieldSilver, which covers major systems; ShieldGold, which covers home systems and some appliances; and ShieldPlatinum, its most comprehensive plan. A unique element of its ShieldPlatinum plan is it covers roof leak repairs (very uncommon in this industry) and includes a free HVAC tune-up and coverage for code violations, permits, and modifications — all things that normally violate a home warranty, which would leave you without coverage. The HVAC tune-up is a nice bonus for Arizonanian homeowners as a maintenance visit can help prevent an HVAC system failure during extreme heat wave events. American’s Shield Assurance also advertises that older items are always covered, no matter their age, and you’ll be covered for undetectable preexisting conditions (something that Select Home Warranty WON’T protect). Finally, they will cover your repairs even if your system/appliance was improperly installed or previously repaired. 

During my secret shopping, a rep offered me a 20% discount if I signed up today, so make sure to keep an eye out for discounts on the site or ask a rep about discounts over the phone. 

I was able to choose between a $100 or $125 service fee, which is a bit on the higher side. I chose $125 because my appliances are on the newer side and well-maintained, so I’d rather pay a little more for service but less each month. However, it’s nice to have the option, even if the service fees are more expensive than average. 

PlanMonthly CostService FeeAvailable Discounts
ShieldSilver$22.49$125Same-day discount
ShieldGold$37.49$125Same-day discount
ShieldPlatinum$59.99$125Same-day discount
Editor’s Note: The cost data mentioned in this article was sourced for a single-family home, 2 BR, under 5,000 square feet, in Phoenix, AZ. The cost data presented was accurate at the time of publication. 

Available Add-Ons

Here are American’s available add-ons and costs: 

  • Roof leak repair: $10/month
  • Electronics protection plan: $14/month 
  • Pool & built-in-spa equipment: $18/month
  • Guest unit: $15.99/month
  • Septic pump: $5/month
  • Well pump: $8/month

I find the electronics protection plan especially valuable because it protects an unlimited number of new and used electronic devices, including laptops, headphones, home theater systems, and TVs. As someone who uses their laptop for work, this is especially reassuring. 

Something to note is that the roof leak repair comes with the American’s ShieldPlatinum plan, but it’s still available as an add-on for its other plans, so regardless of your plan, you can access coverage for your roof. This is a standout benefit as most home warranties don’t offer ANY roof protection, so I recommend grabbing this as an add-on or opting for the ShieldPlatinum plan to benefit from this because roof leaks can be incredibly costly and destructive to your home. 

Exclusions

During my research,  I found that American Home Shield offers more comprehensive coverage than most as long as you opt for its ShieldGold or ShieldPlatinum plans, which cover home appliances. Some exclusions include: 

  • Construction or carpentry costs
  • Restoration of walls
  • Flues, chimneys, venting, and exhaust lines
  • Repairs or replacements due to cosmetic defects
  • Repairs due to mold
  • Appliances not covered under ShieldSilver plan
  • Natural disasters

Overall, these are standard exclusions. American plans cover more than most home warranty providers, making them one of my top picks for the best coverage. 

A slight downside to this provider is that it has more expensive monthly premiums and service fees than many providers unless you opt for its ShieldSilver plan, which I don’t recommend due to its lackluster coverage. You can choose between a $100 and $125 service fee, which is higher than average, combined with a slightly higher than average monthly premium. Now, to be fair, you are getting very strong coverage for these higher costs. For example, you receive up to $5,000 in coverage on HVAC systems. In comparison, many providers only offer up to $2,000 to $3,000 in coverage on your HVAC system. 

If affordability is your top priority, American Home Shield isn’t your best choice, but if you’re looking for extra protection or have luxury appliances with higher replacement or repair fees, I recommend this provider for its high coverage limits, even if they come at a slightly higher price. 

Many customer reviews noted miscommunication issues with agents, where they would leave messages and not hear back, or the agent never received the message. This issue is understandably irritating and not something I loved seeing during my research. 

However, the customer experience is a strong point for American because of its service guarantee and many points of contact after a quote, meaning you can communicate with the company in several different ways. It has an average waiting period after signup of 30 days, which isn’t incredible, but it’s not as long as some providers make you wait (some have over two-month waiting periods) before your coverage kicks in. 

American Home Shield has a less-than-stellar company reputation, between a 2.1 Trustpilot rating and a 1.0 Yelp rating at the time of writing. Its Better Business Bureau (BBB) rating is better at a B but still not fantastic compared to other providers. In most cases, the complaints focused on the company being slow to send out contractors, sending out contractors who were ineffective, or not covering what customers thought was covered. Now, you should take these with a grain of salt because many consumers don’t look closely at coverage caps or exclusions before signing a home warranty, so some of these complaints may be due to a misunderstanding of what their policy covers. 

Still, these negative reviews give American a poorer reputation than most, although positive reviews praised their excellent coverage. On a positive note, American Home Shield replied to over 98% of negative reviews, many within 24 hours on Trustpilot, so the company seems to be working on resolving these complaints as much as possible. 

Rating SiteRatingNumber of Reviews
BBBBCustomer Reviews are not used in the calculation of BBB Rating
Trustpilot2.15,158
Google2.82,379
Yelp1.0826
Editor’s Note: The ratings provided were accurate at the time of publication.

American Home Shield has a user-friendly claim process. You can either submit a service ticket online or call its 24/7 customer service line. From there, you can easily track your home repair history and follow up with them if needed through the online portal. Overall, this is a pretty standard setup, but the 24/7 customer service is a big plus, especially if you’re concerned about urgent repairs. 

American Home Shield is available in 49 states, excluding Alaska. While not perfect, this is certainly a strong availability that will suit most U.S. homeowners. 

Best Value

Select Home Warranty

4.2

Our Rating

Limited Time:
$150 Off (Code HOUSE25)

This affordable provider offers multiple plans and great discount options, making it one of my favorite providers for the budget-conscious homeowner. I like that it offers strong coverage caps of up to $3,000 for air conditioning and HVAC systems — which is especially critical for anyone living in the Arizona heat. However, this is lower than some providers on this list who offer coverage up to $6,000, so weigh how expensive your HVAC system is, before signing up with Select Home Warranty. 

If I purchased a plan with this company, I would choose its most comprehensive plan, the Platinum Care plan. This plan is only slightly more expensive while providing much more coverage on more types of appliances and systems, while the other plans focus on one or the other. If you have many high-end appliances or need specific add-ons, I’d skip Select altogether and opt for a company like Liberty Home Guard which offers greater coverage and add-ons for specialty appliances and amenities. If your home has more standard systems and appliances, Select Home Warranty is a great choice for its overall value, less expensive monthly rates, low-cost service fee options, and standard coverage caps (which are enough to cover most home systems and appliances). 

One of the biggest advantages of choosing Select Home Warranty is that it offers roof coverage with all its plans. This coverage is a HUGE benefit because most home warranty providers don’t have this type of coverage, even as an add-on option.  To top it off, its monthly rates are on the lower side, so homeowners aren’t being charged an excessive amount for this added benefit. Overall, Select Home Warranty offers the best value because of its cost-effective pricing, easy quote and customer service process, and strong coverage options.

Select has a fewer number of add-ons than other companies, with only nine current offers. Compared to providers like Liberty Home Guard, which has 42 add-on options, this is a limited selection. There also isn’t coverage for unknown preexisting conditions, so you may face a nasty surprise if you were unaware that your appliance had issues before signing up for a Select home warranty plan — so be wary and have your household thoroughly checked out before signing up to ensure this doesn’t happen to you.

Select Home Warranty offers three plans: one for appliances, one for systems, and a third for both. Frankly, the single coverage plans (Gold Care or Bronze Care) don’t cover much on their own. If I were purchasing a plan from Select, I would definitely choose its Platinum Care plan, which covers both appliances and systems. Based on the sample quotes I was given (see below), the Platinum Care plan is only  $4 more per month for a substantial amount of coverage, making it the best choice for most homeowners, myself included. 

During my secret shopping, a 20% discount sale was in process, which is reflected in the following prices. While this sale may or may not be going on when you’re shopping, the company regularly offers a $150 off coupon on its website along with an advertised two months of free coverage, which is an excellent deal. Customer reviews even mentioned that they were able to negotiate a lower monthly fee and service fee when speaking with a customer service representative. 

PlanMonthly CostService FeeAvailable Discounts
Bronze Care$44.42$75$150 Off (Website), 2 Extra Months Free
Gold Care$44.42$75$150 Off (Website), 2 Extra Months Free
Platinum Care$47.75$75$150 Off (Website), 2 Extra Months Free
Editor’s Note: The cost data mentioned in this article was sourced for a single-family home, 2 BR, under 5,000 square feet, in Phoenix, AZ. The cost data presented was accurate at the time of publication. 

Available Add-Ons

Select Home Warranty has a standard offering of additional options with affordable pricing. For my single-family home, Select shared these prices: 

  • Central Vacuum: $3.33/mo
  • Lawn Sprinkler System: $5.83/mo
  • Pool: $8.33/mo
  • Roof Leak: $0/mo
  • Septic System: $5.83/mo
  • Spa: $5.83/mo
  • Stand Alone Freezer: $3.33/mo
  • Sump Pump: $3.33/mo
  • Well Pump: $3.33/mo
Exclusions

Select Home Warranty offers comprehensive plans, particularly its Platinum Care plan, which covers a huge number of home appliances and systems, including ductwork, garbage disposals, plumbing stoppage, and cooktops (which are not commonly covered). 

Here are notable exclusions not covered by any of its plans: 

  • Secondary damage (i.e., your home warranty may cover roof damage but won’t cover water damage caused by the leak)
  • Incorrect installation or malfunctions due to construction damage or improper wiring
  • Issues with systems or appliances related to hazardous or toxic materials (i.e., mold, asbestos, gas leaks, etc.) 
  • Common areas in condominiums or family homes
  • Solar heating systems
  • Damage caused by natural disasters and rust
  • Defects or damages caused by the foundation and structure of the home

In the fine print of a sample contract, I found that Arizona residents will only receive up to 10% of the gross amount paid by you for the agreement if you cancel, so keep this in mind.  

Compared to other providers, Select Home Warranty offers more affordable monthly rates, with many providers costing at least $80 per month, compared to Select’s $40 a month (with discount) rate.  I love that Select offers two affordable service fee options of $65 or $75. Most providers charge $100 or more per service, so this gives me peace of mind that if anything goes wrong, I won’t be out more than $75, depending on my plan. 

Select Home Warranty has an above-average customer experience, especially with its user-friendly online interface. I found its online quote process quick and easy to use, well-constructed and was able to pinpoint what is and isn’t included in each plan, each plan’s cost, and the breakdown of each add-on. Compared to other companies, the Select quote process was much faster, and I didn’t feel pressured with excessive phone calls or email follow-ups, which I’ve experienced in the past with other providers. 

This provider holds a B rating from the Better Business Bureau (BBB) and has mixed reviews from customers across multiple reputable third-party review websites. Positive reviews highlighted Select Home Warranty’s customer service, easy sign-up process, and quick service after filing a claim. In contrast, negative reviews cited low reimbursement rates, issues with claim fulfillment, and incompetent technicians being sent to perform the work. 

Select has an average customer reputation rating across several review sites, but I take all of this with a grain of salt since people tend to review companies more when they are unhappy. Compared to other providers, Select had an overall lower number of reviews, indicating that there aren’t as many unhappy customers out there as some other companies. 

Rating SiteRatingNumber of Reviews
BBBBCustomer Reviews are not used in the calculation of BBB Rating
Trustpilot3.74,561
Google1.627
Editor’s Note: The ratings provided were accurate at the time of publication.

The claims process with Select Home Warranty is pretty straightforward. You can either submit a claim online or over the phone. Then, Select will schedule a time for a technician to come out and assess the appliance or system needing work. They have an average response time of around 48 hours for non-emergency claims. As a whole, I rated them at a 7.6 because the company offers a standard number of ways to open claims and has a typical response time. 

Select Home Warranty is available in all 50 states plus the District of Columbia. It has an overall good customer satisfaction rating throughout the country, assuring homeowners that they’ll be taken care of by this provider. 

Best Customer Ratings

Elite Home Warranty

4.3

Our Rating

Limited Time:
$150 Off + 1 Month Free

This BBB-accredited company has some of the best coverage limits in the industry, with system payouts as high as $10,000 and appliance payouts as high as $6,000. These are coverage caps that are far better than those of most providers I’ve come across, as most other home warranty companies offer between $2,000 and $3,000 for coverage caps. I strongly recommend working with Elite Home Warranty if you have high-end appliances, have more appliances and/or home systems than the average homeowner,  or are concerned about low coverage caps for various home-related reasons. My personal preference leans toward Elite’s Complete plan, encompassing both home systems and appliances, ensuring you make the most of these generous coverage limits.

However, I don’t recommend Elite if you’re concerned about access to emergency services. While Elite has round-the-clock customer service, you can’t easily receive emergency services after hours, which is a major setback. 

Elite Home Warranty stands out with its online review ratings ranging from 4.5 to 5 stars across reputable platforms such as Yelp, Trustpilot, and Google Reviews. Elite’s positive reputation is impressive because many other home warranty companies have ratings closer to two to three stars online. That contrast highlights Elite’s remarkable customer satisfaction ratings. Another important benefit is Elite Home Warranty’s outstandingly high coverage caps. Lastly, its affordable pricing and add-ons are an excellent option for homeowners looking for reasonable prices and great coverage all in one great package. 

I find it disappointing that Elite’s home warranty plans lack coverage for emergency services (without an additional fee). Many industry providers consider offering emergency services a standard practice, and it’s sensible to react in real-time when your laundry machine or electrical systems shut down over the weekend or after hours, or worse, your AC system fails during an Arizona heat wave.  

Another notable con is that commercial-grade appliances are excluded from all Elite plans, which could be a deal-breaker for some homeowners.

What I love about Elite’s warranty plans is you can choose between a systems-only and appliance-only plan or opt for the most comprehensive plan, Elite Complete (my preferred choice for its amazing coverage). 

While these are pretty standard plan types, Elite goes above and beyond with its outstanding coverage limits, which are significantly higher than industry standards that typically max out around $3,000. Appliances are covered up to $6,000, and system payouts are as much as $10,000 — both outstanding sums that I haven’t seen any other home warranty company match. 

During my secret shopping, I was offered a special 30-day free trial for the policy and $150 off to get started when you call to schedule your coverage. Due to this,  I recommend calling this provider to secure the best deal. 

PlanMonthly CostService FeeAvailable Discounts
Elite Appliance$48.99$100 $150 sign up, 30-day trial
Elite Systems$52.99$100$150 sign up, 30-day trial
Elite Complete$59.99$100$150 sign up, 30-day trial
Editor’s Note: The cost data mentioned in this article was sourced for a single-family home, 2 BR, under 5,000 square feet, in Phoenix, AZ. The cost data presented was accurate at the time of publication. 

Available Add-Ons

Here are Elite’s available add-ons: 

  • Annual maintenance
  • Central vacuum
  • Drainage, sewer, and water service lines
  • Effluent pump
  • Ejector pump
  • Freestanding freezer
  • Freestanding ice makers
  • Freestanding spa equipment
  • Generator
  • Geothermal heating and cooling systems
  • Grinder pump
  • Guest house
  • Jetted and hot tubs
  • Lawn sprinkler system
  • Lift pump
  • Limited roof-leak repair
  • Pool and spa equipment
  • Pool equipment
  • Premium appliances
  • Premium benefits
  • Premium systems
  • Premium systems plus
  • Septic system
  • Sump pump
  • Water softeners
  • Well pump
  • Wine coolers

Elite offers an impressive range of add-ons, more than most providers in the industry. I like that you can add additional coverage for premium appliances, systems, and benefits, as many home warranty companies will cut off your coverage at a certain cap and don’t offer enough coverage for luxury appliances. If you have more expensive appliances or systems, this is a serious benefit that I would take advantage of. 

Exclusions

Elite’s service contracts have exclusions like all home warranty providers, and I found its exclusions to be in line with most other companies: 

  • Natural disaster-related damages
  • Acts of God
  • Commercial-grade appliances 
  • Units in a rental property
  • Cosmetic damage
  • A lack of maintenance

During my research, I discovered that Elite’s monthly pricing is competitive, but it may involve additional fees beyond the standard service charges. Notably, there are extra fees of $150 for servicing professional-grade appliances or for service calls during weekends or after-hours. This isn’t a common practice among many other providers, so it’s important to highlight that these extra fees are not standard among other service providers.

Elite’s plans are standard price-wise within the industry. When speaking with a rep, I found the experience a bit frustrating due to the lack of price transparency. It was challenging to get ahold of any information surrounding add-on pricing, which greatly impacts how much your monthly premium will cost you. 

Generally speaking, most of Elite’s add-ons are between $15 and $20 more per month, which is average, making this an affordable option for homeowners if you need extra protection. I like that Elite offers a cancellation period and monthly trial period so you can decide if the provider is a good fit for you. 

My customer experience with Elite was somewhat rocky. For starters, I found its website difficult to navigate. Unlike most other providers, you can’t play around with a calculator and quote estimator on your own. Instead, you need to call to receive any type of ballpark quote. The add-on prices are also not listed anywhere (at least that I could find), which is contrary to most home warranty providers. 

Otherwise, the company has many positive reviews online and has received many accolades from reputable review websites, so many have positive customer experiences with Elite.

Compared to other providers, Elite Home Warranty has much higher reviews, but it doesn’t have many reviews, with two review websites (Trustpilot and Yelp) having fewer than 40 total reviews.  The lack of overall review volume does pull down the reputation score in this case. However, the Better Business Bureau (BBB) gave Elite a strong rating and accreditation, giving me additional trust in the company’s service and follow-through.

Positive reviews continually highlight how fast and easy the claims process was, as well as the service follow-up. Many also praised its affordable rates and how the company regularly followed up with customers during the service process to ensure everything was done to the customer’s satisfaction. In contrast, negative reviews pointed out inconsistencies with the waiting period policy and the company’s disorganization. While these are fair concerns, some of these may be due to customers not fully understanding their home warranty contract, so keep this in mind when considering different home warranty options. 

Rating SiteRatingNumber of Reviews
BBBBCustomer Reviews are not used in the calculation of BBB Rating
Trustpilot4.539
Google4.7106
Yelp5.04
Editor’s Note: The ratings provided were accurate at the time of publication.

Elite has a below-average claims process score. While it has excellent 24/7/365 availability for claims and several ways to file a claim (online and over the phone), the company doesn’t have many emergency services, meaning you’ll be left with a burst pipe or leaking laundry machine without help after-hours. This is less than ideal and definitely something that could be a dealbreaker for many homeowners. Its response time is also reportedly between 24 to 48 hours, which is pretty standard for the industry. 

Elite Home Warranty is available in 47 states, including Arizona. Close to nationwide availability is a strong measure of trust in a company’s legitimacy and reputation as it’s operating in so many states and is able to pay out claims sustainably. 

Best for Additional Benefits

AFC Home Warranty

4.3

Our Rating

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My experience with AFC Home Warranty was very positive. I love its user-friendly website, customizable plans with multiple service fees, and interesting membership benefits that I haven’t seen other companies offer. When shopping for home warranty coverage, this would be one of my top choices personally because I deeply appreciate its high customer rating, B rating from the Better Business Bureau, and customizable plans. 

However, be mindful of AFC’s lower coverage cap, especially if you own high-end or luxury appliances. When shopping, consider its fluctuating and less transparent coverage levels based on the estimated cost of your home’s systems and appliances. If I choose AFC for my home warranty protection, I’d definitely choose its Diamond Plan, which covers home systems, appliances, roof leaks, and even electronics — a very unique offering in the industry. 

AFC Home Benefits has excellent additional benefits, including its practically unheard-of membership benefits like free and discounted rates on home security, medical benefits, credit monitoring, insurance, and more. I’ve yet to see these offerings with other providers, so it’s definitely something to take note of. I also love that AFC has mostly positive reviews online, which is pretty rare for home warranty companies, and a multitude of home warranty plans and unique add-ons. 

While AFC Home Club plans have a $3,000 coverage cap, some items only receive $150 to $1,000 coverage. If you choose AFC Home Club, you’ll need to review each item and its coverage cap carefully to ensure you’re not left with insufficient coverage for any pricier appliances in your home. 

Another con is AFC’s lack of emergency services. Many nationally-recognized home warranty companies provide service on weekends, holidays, and after-hours. This is especially critical because the last thing you need is to be left waiting for days for a repair when your HVAC system fails during an extreme weather event in the scorching Arizona summer heat.

AFC Home Warranty offers four plans, including a simple appliance plan all the way to a comprehensive appliance and systems plan with extras that are uncommon in the industry. Here’s a breakdown of its plans: 

  • Silver plan (covers the nine most frequently used appliances)
  • Gold plan (15 appliances and systems, including electrical, plumbing, and heating systems) 
  • Platinum plan (18 appliances and systems, includes major home systems and appliances plus home comforts like a built-in microwave and refrigerator ice maker)
  • Diamond plan (everything the other plans cover, plus electronics, exterior water, and sewer lines)

The Diamond plan is an EXCEPTIONAL home warranty plan as it covers just about everything you could want between your home appliances and systems, plus electronics like your smartphone, plus exterior water and sewer lines. The electronics coverage is particularly special and covers everything from home entertainment, smart home devices, cell phones, tablets, and home office electronics. These are unusual benefits that most home warranties don’t offer, so I strongly recommend checking this plan out if your budget allows it. I also like that roof leaks are automatically covered, as this isn’t offered by all providers. 

During my secret shopping, I was offered a $140 off coupon for signing up for a one-year plan and $250 off if I chose a three-year plan, which is an excellent way to save money on your home warranty policy.

PlanMonthly CostService FeeAvailable Discounts
Silver Plan$35.25$125Up to $250 off, free roof leak protection
Gold Plan$49.75$125Up to $250 off, free roof leak protection
Platinum Plan$54.58$125Up to $250 off, free roof leak protection
Diamond Plan$89.17$125Up to $250 off, free roof leak protection
Editor’s Note: The cost data mentioned in this article was sourced for a single-family home, 2 BR, under 5,000 square feet, in Phoenix, AZ. The cost data presented was accurate at the time of publication. 

Available Add-Ons

AFC Home Warranty has an average number of add-on options, which were offered at the following prices during my secret shopping: 

  • In-ground pool: $100/month
  • Sump pump: $35/month
  • Ice maker: $25/month
  • Well pump: $50/month
  • Electronics coverage (price depends on your specific electronics) 
  • In-ground pool and spa: $150/month
  • Double oven: $25/month
  • Hot water dispenser: $25/month
  • Built-in microwave: $50/month
  • Stand-alone freezer: $25/month
  • Central vacuum: $25/month
  • Septic system: $50/month
  • Roof leak (free, worth $25/month) 
Exclusions

Here are the common exclusions I found across all of AFC’s plans: 

  • Crane rentals needed to move appliances or systems
  • Geothermal heating systems
  • Haul-away services
  • Light fixtures
  • Code violations
  • Appliances and systems not properly maintained

While examining the fine print of one of AFC’s sample contracts, I noted that the company wouldn’t cover items that you don’t properly maintain, including a lack of routine maintenance. Before service requests on HVAC systems are accepted, AFC requires a prior annual maintenance log from a licensed technician to prove that you followed up with recommended repairs. If you don’t keep up with this, you’ll forfeit your coverage. While this isn’t a bizarre exclusion, the extra step of providing prior annual maintenance papers for each claim is a bit of a headache. 

AFC Home Warranty’s most comprehensive plan, its Diamond Plan, is its most expensive. However, it offers several more affordable options, its Silver Plan and Gold Plan, which provide coverage for appliances and home systems and appliances respectively. If you don’t need as extensive of coverage or don’t have it in the budget currently, these are strong plans that will give you extra peace of mind that you won’t be left with a staggering repair or replacement bill. Compared to other companies, AFC offers slightly more affordable to standard-priced plans, making them a good plan for the consumer, especially with the Diamond Plan’s unique coverage for sewer lines and electronics. 

I like that AFC Home Warranty offers multiple service fee choices — $75, $100, and $125 — which allows you to lower your monthly premium if you opt for the higher service fee options. The biggest negative impact on AFC’s affordability rating is its costly add-ons, which tend to be more than $14.99 per month. A few add-ons can quickly push your monthly premium to over $100 per month, so choose add-ons carefully when shopping for your plan. 

My customer experience with AFC Home Warranty was excellent. Not only was the user-friendly interface of its website fantastic and well-organized, but I could easily shop the company’s different plans, change up the coverage levels, add-ons, and more to customize my plan to my liking and budget. 

I didn’t find the sales process pushy and appreciate the 24/7/365 customer service, as you never know when an urgent question will arise. Customer reviews also highlight the great communication with customer service and the professionalism of the in-service repair team — two very important aspects that can make or break your experience with a home warranty company. 

Compared to other providers, this BBB-accredited company has very few reviews and complaints (only 205 in total at the time of writing). This is significantly less than other providers who often have thousands of complaints on the Better Business Bureau website. The AFC Home Warranty has been in business for 14 years and has been accredited since 2015, demonstrating its reliability and overall positive customer reputation. 

Regarding responding to complaints, the company has closed 146 complaints in the last three years with the Better Business Bureau and regularly responds to both positive and negative reviews on other review websites. Out of the review websites I checked out, Google had the highest number of reviews and a rating of 3.7 — far better than what many home warranty companies receive online, giving me extra peace of mind that this company regularly provides good customer service. Many positive reviews highlighted AFC’s quick turnaround with assigning a repair contractor, positive experiences with the service, and good claim reimbursement percentages. In contrast, negative reviews reported upset over a policy cancellation fee and issues with loopholes over what is and isn’t covered. 

Rating SiteRatingNumber of Reviews
BBBBCustomer Reviews are not used in the calculation of BBB Rating
Trustpilot3.024
Google3.71,594
Yelp1.9334
Editor’s Note: The ratings provided were accurate at the time of publication.

I found AFC’s response time to be average, typically between 24 to 48 hours, which is an industry standard, but its contract states that, in some instances, it can take more than 48 hours for a technician to accept the claim request. AFC states on their website in the systems coverage document that they  are “ not an Emergency Service and will be closed on Nationally Recognized Holidays therefore resulting in delayed Service Request Assignments.” The lack of emergency service is definitely an important consideration, particularly for homeowners in Arizona when faced with frequent and prolonged periods of extreme heat warnings.

A standout benefit of AFC’s coverage is its work guarantee. Most home warranty plans have 30 to 60 days of work guarantee coverage (which protects you in case a contractor needs to come back after a repair), but AFC offers coverage throughout the entire life of your plan. The company even provides an in-house service team, which I haven’t seen previously from other home warranty companies. I like that everything is in-house, from sales to repairs, so that you’re not left with inconsistent contractors. 

AFC Home Warranty is available in 48 states, excluding California and Hawaii, showcasing its strong reputation nationwide and ability to sustainability provide reimbursement on a large scale. 


Arizona Home Warranty Regulations

Companies offering Arizona homeowners home warranties must have a permit to issue service contracts with the Arizona Department of Insurance and Financial Institutions, so always verify this with the department’s external lookup before choosing a company. You should also be aware that Amazon Home Warranty is facing a consumer fraud lawsuit from Attorney General Mark Brnovich for making misleading statements about home warranties to Arizona consumers. 

Arizona homeowners with questions are encouraged to contact the Arizona Insurance and Financial Institutions (Email: insurance.consumers@difi.az.gov) and may file complaints using the Consumer Complaint Form

Arizona Home Warranty News

The Arizona Attorney General shares that they’ve received hundreds of complaints from homeowners regarding their home warranty company. Unfortunately, it’s one of the most prevalent issues in the Consumer Protection Section, with the primary issues being the warranty not covering what is promised, not handling problems in a timely manner or undisclosed caps on coverage. 

Today’s Homeowner Tips
The Arizona Attorney General recommends reviewing all contracts thoroughly so that you aren’t surprised about any expirations, coverage caps, or timelines. Ask specific questions about exclusions and any coverage caps if you can’t find them to avoid unpleasant surprises.
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FAQs about the Best Home Warranties in Arizona

Do You Need a Home Warranty in Arizona?

You need a home warranty in Arizona if you want additional protection on home appliances and systems, like your plumbing and HVAC systems, that aren’t covered under your homeowner’s insurance policy. While not a legal requirement, it’s a smart investment for many Arizona homeowners looking to avoid expensive repairs. Before signing up for a home warranty in Arizona, check that the company has a permit to issue service contracts in Arizona with the Arizona Department of Insurance and Financial Institutions. 

Other reasons you may need a home warranty include if it’d be a financial hardship for you to pay for large repair or replacement costs for your home appliances or systems. If you have many old appliances or appliances with a lot of wear and tear, it’s prudent to find a home warranty company (that covers preexisting conditions) to protect yourself financially when those appliances inevitably give out and need to be replaced. For example, if you have an old AC unit that you’re worried about breaking down this summer, get a home warranty that covers it months in advance to protect yourself so you’re not stuck in the sweltering heat with no AC. 


How Much Does a Home Warranty Cost in Arizona?

The average cost of a home warranty in Arizona is approximately $60 a month or $700 a year. Average home warranties throughout the United States cost anywhere from $222 to $1,877 per year, depending on the company, plan, coverage, and your specific location. The quotes I received were based on single-family homes in Phoenix, AZ, the largest city in Arizona. 

Some factors that cause the cost of home warranties in Arizona to differ include: 

  • Weather: If you live in the southern part of Arizona (i.e., Phoenix or Tucson areas), the extremely hot temperatures may cause your home warranty costs to rise because long, hot days will wear down certain appliances, like your AC, faster. 
  • Type of plan: Many companies offer a home systems-only plan and an appliance-only plan. While these can be helpful, I recommend going with the most comprehensive plans, which include both systems and appliances, unless a manufacturer’s warranty currently covers your appliances. While a more comprehensive plan will cost slightly more each month, it’s often well worth the investment when major appliances and systems in your home go out. 
  • Location: High-cost-of-living areas often cost more to receive coverage for because repairs, replacements, and the cost of labor are higher. If you live in a less expensive area, you may be able to save more, but a more expensive location like Flagstaff, AZ, will likely increase average home warranty costs. 

How To Save Money When Shopping for Home Warranties In Arizona?

Save money when shopping for home warranties in Arizona with these steps: 

  • Adjust your deductible: If you want the lowest monthly premium, choose the highest deductible (or service fee). This choice means you’ll pay a little more each time you need a service (often a difference of $25 to $50 more), but you’ll often save hundreds of dollars a year in monthly premiums. 
  • Speak with a customer service representative: A customer service representative knows all the available discounts and often has the power to offer you a better deal than the online quote generator on the company’s website. 
  • Make smart add-on choices: Add-ons can give you access to fantastic coverage for items that are not commonly covered, like a sump pump or lighting fixtures. However, they add an additional monthly cost. Weigh the pros and cons and consider only choosing add-ons for luxury or more expensive appliances to keep your monthly premium down. You’ll also want to consider what’s excluded, as some policies may include things that other companies only offer as an add-on. 
  • Look for discounts and shop around: Collect at least three quotes from reputable providers, ask about discounts, and compare prices and plans to see where you’ll receive the best bang for your buck. 

Is a Home Warranty Worth It for Arizona Homeowners?

A home warranty is worth it in Arizona if you are concerned about covering expensive out-of-pocket costs should your air conditioner or refrigerator suddenly need replacement. Consider this — your AC unit goes out on one of the hottest days of the year, and replacement costs are easily over $4,000 to replace central AC unit depending on your home and the amount of ductwork needed. In many parts of Arizona, it’s far too hot to live without an air conditioner safely. A home warranty alleviates stress around these sudden expenses because you’re not left footing the entire $4,000+ bill and the cost of labor (which averages between $50 to $200 an hour)

In contrast, a home warranty costs, on average, around $222 and $1,877 per year, compared to an average of $2,458 for out-of-pocket annual home maintenance costs. That alone is a huge amount and more than what you’d pay for most policies, so for many homeowners who can’t afford a sudden expense, the home warranty is a better option for protecting themselves financially. You also won’t have to worry about finding qualified technicians or arranging the service, as your home warranty provider takes care of this process. 

A home warranty isn’t worth it in Arizona if you are comfortable paying for large out-of-pocket repairs (for example, you have a large home emergency fund) or your appliances are currently covered by a manufacturer’s warranty. However, it’s pretty rare that all of your appliances and major home systems would be covered simultaneously, unless your entire home is brand new, so factor in the possibility of something breaking down and racking up a large bill even if you have some appliances currently covered. 



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Editorial Contributors
avatar for Amy DeYoung

Amy DeYoung

Contributor

Amy DeYoung has a passion for educating and motivating homeowners to improve their lives through home improvement projects and preventative measures. She is a content writer and editor specializing in pest control, moving, window, and lawn/gardening content for Today’s Homeowner. Amy utilizes her own experience within the pest control and real estate industry to educate readers. She studied business, communications, and writing at Arizona State University.

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photo of Irma Omerhodzic

Irma Omerhodzic

Irma Omerhodzic, an accomplished editor for Today's Homeowner, brings a wealth of expertise to her role. Holding both a Master's and Bachelor's degree from the E.W. Scripps School of Journalism at Ohio University in Athens, Ohio, Irma is a member of Kappa Tau Alpha, a national honor society in journalism. Beyond her successful editorial career, Irma is a dynamic professional who holds an active real estate license in Ohio. She is proudly affiliated with Howard Hanna, a nationally acclaimed real estate company that stands as the third-largest in the country. In her spare time, Irma finds joy in outdoor adventures, frequently embarking on hikes with her dog. Her love for exploration extends beyond nature, as she equally delights in traveling to new destinations and savoring culinary delights.

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