Best Home Warranty Companies in Arizona (2022)

From Phoenix to Tuscon and beyond, the state of Arizona attracts thousands of new residents each year for its scenic red rock landscapes and year-round sun. Still, the extreme southwestern heat can cause essential appliances and system around your home to wear out at a much faster rate. With a home warranty, you’ll have priority access to top-rated technicians in Arizona while also saving thousands on inevitable repairs.

Famous landmarks like the Grand Canyon, Sedona National Park, and the Hoover Dam are just a few of Arizona’s biggest selling points. Even major metropolitan areas across AZ are characterized by the hot and arid climate of its surrounding deserts. The best home warranty for Arizona homeowners will ultimately depend on the level of coverage their home needs to withstand the high and dry temperatures.

Arizona’s Best Home Warranty Companies in 2022

1. Choice Home Warranty: Best overall
2. Select Home Warranty: Most cost-effective plans
3. American Home Shield: Best customizable plans
4. The Home Service Club: Quickest service
5. Liberty Home Guard: Most trustworthy

Quick Comparison of Home Warranty Providers

Choice Home Warranty

• Our Take: Best overall
• Average Annual Cost: $560 – $660
• Response Time: Up to 48 hours

Choice Home Warranty (CHW) is the best overall home warranty in Arizona. Choice Home Warranty is one of the most widely recognized home warranty companies in the U.S., with a growing customer base of over 1.6 million. CHW has spent the last 14 years on the market perfecting its home protection services and expanding its technician outreach into a network of 25,000+ licensed contractors.

Pros and Cons

✓ Doesn’t require an initial home inspection or previous maintenance records for sign-up

✓ Includes a 90-day guarantee on all repairs 

✓ Allows the 30-day waiting period to be waived if proof of a previous home warranty is provided with no coverage lapses

✓ Offers 24/7/365 claims processing and customer service

X Standard plans are not customizable

Plans and Pricing

Choice Home Warranty has two protection plans for Arizona residents to choose from: the Basic Plan and the Total Plan. Both of these home warranty policies offer a combination of home appliance and systems coverage. Choice’s combined coverage framework is designed to ensure that homeowners get the most out of their plan even if they purchase the less comprehensive option. Both plan options include a $3,000 per-item annual coverage limit for standard items. CHW charges an $85 service fee, which is about the industry average. 

Here’s a detailed look at Choice Home Warranty’s coverage: 

• Basic Plan ($45 per month): The Basic Plan covers 14 items, including plumbing systems, plumbing stoppages, ceiling fans, garbage disposals, heating systems, cooktop exhaust fans, built-in microwaves, dishwashers, ductwork, electrical systems, garage door openers, ovens, toilets, and hot water heaters. This is a good plan option, but it excludes one feature essential to Arizona living: air conditioning.
• Total Plan ($53.33 per month): This comprehensive plan covers all 14 items in the Basic Plan plus air conditioning, refrigerators, clothes washers, and clothes dryers. Any Arizona resident with an A/C unit will want to ensure that they opt for this coverage level as air conditioning unit repairs can easily creep into the thousands to fix.

Coverage

In addition to its two base plans, Choice Home Warranty also offers nine optional coverage add-ons, including:

• Pool and spa (for in-ground set-ups only)
• Roof leak repairs (for single-family homes only)
• Central vacuum
• Septic systems (does not includes leach lines, field lines, or lateral lines)
• Septic tank pumping
• Sprinkler systems
• Standalone ice-makers and second refrigerators
• Sump pumps
• Trash compactors
• Well pumps

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

• Our Take: Most cost-effective
• Average Annual Cost:  $630 – $699.99
• Response Time: Up to 48 hours

Select Home Warranty (SHW) is the most cost-effective option for Arizona homeowners. With over a decade in the industry and a B rating from the Better Business Bureau (BBB), SHW is well-known for its generous seasonal discounts and members-only promotions. Select is an excellent choice for homeowners with a narrower budget as new joiners will receive $150 off their premium plus complimentary roof leak protection (a $99 value) and two free months of extra coverage. 

Pros and Cons

✓ Over a decade of experience in the home warranty industry

✓ Up to $400 in annual roof coverage included for free with any plan level

✓ Policyholders who pay annually rather than monthly will receive two free months of coverage

X Lower coverage caps on some appliances and systems

X 30-day workmanship warranty is significantly less than competing providers

Plans and Pricing

Select Home Warranty has three plans for its Arizona customers to choose from: an appliance plan (Bronze Care), a systems plan (Gold Care), and a comprehensive combo plan (Platinum Care). Platinum Care is the most recommendable policy option from choice because it combines everything included in Bronze and Gold Care for only $5 more per month. Select’s coverage limits vary by item but range between $500-$2,000. The service fee required with any of the plan levels is only $60, one of the lowest rates you’ll find industry-wide. 

Here’s a detailed look at Select Home Warranty’s coverage: 

• Bronze Care ($58 per month): The Bronze Care plan covers eight major appliances, including refrigerators, built-in microwaves, clothes washers and dryers, ovens, stoves, garbage disposals, and cooktops. We recommend this plan level for first-time homeowners who aren’t yet fully clear on their coverage needs but still want minimal protection in the meantime.
• Gold Care ($57.67 per month): The Gold Care plan covers six major home systems, including plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork. Again, as a systems-only plan, this level doesn’t include items mentioned in the Bronze Care plan. 
• Platinum Care ($62.08 per month): The Platinum Care plan is the most comprehensive option offered by Select Home Warranty. With this plan, Arizona homeowners will have both system and appliance coverage for just a couple of bucks more per month than the Bronze Care or Gold Care plan.

Coverage

Arizona customers can take their home warranty plan one step further by adding any of Select’s add-on coverage items to their policy:

• Light fixtures (including smoke detectors, outlets, electrical switches, fluorescent fixtures, etc.)
• Plumbing fixtures (including showerheads, faucet filters, shower arms, etc.)
• Built-in ice-makers (does not cover freestanding ice-makers, dispensers, valves, or water lines)
• Sump pumps
• Well pumps
• Standalone freezers and second refrigerators
• Pools and spas
• Septic systems
• Lawn sprinkler systems
• Central vacuum

To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.

For more information, read our Select Home Warranty Review.

American Home Shield

• Our Take: Best customizable plans
• Average Annual Cost: $527.88 – $711.88
• Response Time: Up to 48 hours

American Home Shield (AHS) has the most customizable home warranty plans in Arizona. With an industry tenure of over 50 years and a B rating from the Better Business Bureau (BBB), AHS is often celebrated as the founding father of the home warranty industry. This provider is a great option for Arizona homeowners who recently purchased an older home as AHS will cover appliances and systems of any age. 

Pros and Cons

✓ Customers can choose from three service call fees ($75, $100, or $125)

✓ The oldest home warranty provider with over 50 years of experience

✓ Covers items damaged by improper installation and undetected pre-existing conditions

X Higher premiums than competing providers

X Customers can’t choose their own contractor

Plans and Pricing

American Home Shield has three home warranty plans for Arizona homeowners: ShieldSilver, ShieldGold, and ShieldPlatinum. ShieldSilver is a systems-only plan whereas ShieldGold and ShieldPlatinum offer coverage for appliances and systems but at different levels. AHS allows policyholders to choose a service fee of $70, $100, or $125. This customizable service fee gives homeowners more control over the cost of their base plan as selecting a higher service fee will translate into a lower monthly premium and vice versa. All monthly rates below are based on a $100 service fee. 

Here’s a detailed look at American Home Shield’s coverage: 

• ShieldSilver ($34.27 per month): ShieldSilver covers 14 home systems, including air conditioning, electrical systems, smoke alarms, water heaters, doorbells, garage door openers,  heating systems, plumbing, ductwork and more. Repairs for most of these systems are capped at $2,500 per item.
• ShieldGold ($44.27 per month): The ShieldGold plan covers 23 home systems and appliances, including those offered in ShieldSilver plus clothes washers, clothes dryers, dishwashers, built-in microwaves, ovens, and refrigerators. 
• ShieldPlatinum ($64.27  per month): ShieldPlatinum includes a total of 27 systems and appliances and is one of the most premium home warranty policies in Arizona. Coverage caps for this plan level are more than double the previous plans, with a per-item limit of $6,000. ShieldPlatinum policyholders will also get unlimited A/C refrigerant, one free HVAC system tune-up per year, and coverage for code and permit violations. 

Coverage

You can also add the following coverage riders to your AHS home warranty:

• Pools and spas
• Electronic extended warranty
• Guest unit 
• Roof leak protection
• Well pumps
• Septic pumps

To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.

For more information, read our American Home Shield Review.

The Home Service Club

• Our Take: Quickest service
• Average Annual Cost: $650 – $800
• Response Time: Within 24 hours

The Home Service Club (HSC) offers the quickest home warranty coverage in Arizona. Homeowners who sign up with HSC will have access to their home warranty benefit in just 10 days — significantly shorter than the 30-day waiting period enforced by competing providers. The Home Service Club also doesn’t require an initial home inspection to determine coverage eligibility. This provider is an ideal option for homeowners with a house on the market as HSC also offers home warranty coverage specifically for active real estate listings. 

Pros and Cons

✓ Covers major appliances and systems of all ages, makes, and models

✓ Offers real estate home warranty plans specifically for homebuyers and sellers

✓ Gives customers an additional $125 plus one month of free coverage when they opt to pay annually

X No basic or cheap plan option

X Has a minimal selection of only five coverage add-ons

Plans and Pricing

The Home Service Club has two policies for Arizona homeowners to choose from: the Standard Coverage plan and the Comprehensive Coverage plan. While HSC’s Standard Coverage includes a mix of 18 appliances and systems, its Comprehensive Coverage spans a total of 33.  Coverage caps for both of these plan levels range between $500-$2,000 per item. Like American Home Shield, HSC offers a customize service fee of $60, $75, or $95. All monthly rates below are based on a $75 service fee. 

Here’s a detailed look at The Home Service Club’s coverage: 

• Standard Coverage ($50 per month): The Standard Coverage plan is the most basic option from HSC. It includes 18 covered items such as air conditioners, ceiling fans, water leaks, water heaters, electrical systems, central vacuum, dishwashers, refrigerators, trash compactors, ovens, and more. Standard Coverage tends to be one of the most popular Arizona choices because of its value mix of system and appliance coverage.
• Comprehensive Coverage ($63.90 per month): The Comprehensive Coverage plan has fifteen more covered items than HSC’s Standard Coverage. This more advanced policy level also throws in coverage for gas leaks, ductwork, sump pumps, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust fans, and more.

Coverage

HSC has ten optional coverage add-ons available for customers who wish to further personalize their plan:

• Jetted bathtubs
• Pools and spas
• Refrigerators with dual compressors (includes built-in fridges and fridges with top freezers, bottom freezers, and french doors)
• Roof leak repairs
• Sewage ejector pumps
• Standalone freezer
• Utility line coverage (includes outside water lines, gas lines, sewer lines, electric lines, grinder pumps, and sprinkler systems)
• Water softener (covers single and twin units)
• Well pumps

To get a free quote from The Home Service Club, fill out this online form.

For more information, read our The Home Service Club Review

Liberty Home Guard

• Our Take: Most trustworthy
• Average Annual Cost: $700 – $799.99
• Response Time: Within 24 hours

Liberty Home Guard (LHG) is the most trustworthy home warranty in Arizona. With only five years in business, Liberty Home Guard has maintained an A rating with the Better Business Bureau (BBB) and currently supports an internal network of over 10,000 pre-screened, licensed technicians. LHG’s standout feature is its exhaustive list of 41+ optional coverage riders. Most competing home warranty providers offer a similar list of policy extras, but LHG is the only provider with unique riders like window washing, gutter cleaning, and saltwater pool coverage.

Pros and Cons

✓ Only leading home warranty company with an A rating from the Better Business Bureau

✓ Over 41 add-ons options including coverage for unique home services like carpet and gutter cleaning

✓ All repairs are covered by a 60-day guarantee

X Lower-than-average annual coverage caps

X Multiple add-ons can get expensive quickly

Plans and Pricing

There are three plans from Liberty Home Guard available in Arizona: Appliance Guard (appliance-only), Systems Guard (systems-only), and Total Home Guard (appliance and systems). Total Home Guard is LHG’s popular plan among current customers as it combines both lower level plans for whole-house protection for only $5 more than Systems Guard. All three plan levels have annual coverage caps of around $1,500 per item. LHG requires a $75 service fee, which is mid-to-low compared to other top home warranty companies.

Here’s a detailed look at Liberty Home Guard’s coverage: 

• Appliance Guard ($70 per month): Appliance Guard covers 11 major appliances, including garage door openers, ceiling fans, cooktop exhaust fans, ovens, refrigerators, garbage disposals, dishwashers, built-in microwaves, clothes washers, clothes dryers, and built-in ice-makers.
• Systems Guard ($74.99 per month): Systems Guard offers coverage for nine essential home systems including electrical, heating, air conditioning, ductwork, plumbing, plumbing stoppages, bath exhaust fans, toilets, and hot water heaters.
• Total Home Guard ($79.99 per month): Total Home Guard covers 20 appliances and systems by combining the previous two plans. Opting for the more comprehensive plan option will significantly reduce the number of ineligible breakdowns around your home in the future. 

Coverage

Liberty Home Guard has one of the most extensive lists of add-ons offered across all home warranty providers, with items including:

• Carpet and gutter cleaning
• Central vacuum
• Electronic protection
• Grinder pumps
• Guest unit coverage (up to 750 square feet)
• Gutter cleaning
• Instant hot water dispensers
• Light fixtures
• Limited roof leak coverage (only applies to patching over occupied areas of single-family homes)
• Pest control
• Plumbing fixtures
• Pools and spas (includes chlorine and saltwater set-ups)
• Power washing for exterior flooring (includes driveways, walkways, decks, patios, etc.)
• Pro-series kitchen and laundry appliances (exclusively for professional-grade appliances with luxury features)
• Re-keying (cover re-keys for two lock cylinders per contract term)
• Reverse osmosis filter systems
• Septic system pumping
• Sewage ejector pumps
• Sprinkler systems
• Standalone freezers, ice-makers, second refrigerators, and wine coolers
• Sump pumps
• TV mounting (for up to 65-inch or 85-inch TVs)
• Water softener
• Well pumps
• Window washing (does not include interior cleaning)

Home Warranties in Arizona Cities

• Tucson, AZ
• Scottsdale, AZ
• Phoenix, AZ

How Much Does a Home Warranty in Arizona Cost?

An Arizona home warranty costs between $45-$65 a month, averaging out to around $480-$780 per year. Aside from your main premium, you’ll also be required to pay a service fee each time a technician is dispatched to your home for an approved claim. Like a deductible, the service fee is an out-of-pocket payment, usually ranging from $60-$125 in Arizona.

Some providers give homeowners the option to customize their service fee, which can increase or decrease the cost of your home warranty plan depending on the amount you choose. Selecting a higher fee will yield a lower plan premium and vice versa.

So long as any necessary home repairs remain under your provider’s annual coverage cap, all you’ll need to pay at the time of your appointment is the service fee. However, if a replacement or repair exceeds your coverage limit, the homeowner will have to pay for the remainder upfront.

Compare the Best Home Warranty Companies in Arizona

An Arizona Realtor’s Take on Home Warranties

Katie Baccus, top-rated Realtor and founder of Baccus Realty Group in Scottsdale, Arizona, told House Method that “home warranties are 100% a worthwhile investment for homeowners.” “I own several rental properties and I personally hold home warranties on every single one of those homes,” she added. Specific to the homeowners that Katie and her team represent, she noted that, “because [she’s] so purposeful about talking about the benefit of home warranties, probably 95% of [her]  buyers elect to order a home warranty.”

Katie did recommend that prospective policyholders err on the side of caution by paying close attention to the fine print of a plan before jumping the gun and signing up. “I think sometimes of course there’s red tape around [home warranties] and the main complaint I hear is there can be some hoops to jump through when you aren’t clear on what’s actually covered by your policy.”

Final Thoughts

There are a lot of unknowns to dodge when it comes to handling an emergency repair without the help of a home warranty. Unless you’re familiar with fair professional maintenance rates or have the expertise to make the repair yourself, handling an appliance or systems failing can quickly become a money pit. Arming your property in Arizona with a home warranty ensures you’ll receive instant servicing from the most premier team of professionals nearest you, without having to worry about footing a four-figure bill. 

Based on our overall assessment of the five providers mentioned above, Choice Home Warranty stands out as the best overall home warranty in Arizona. With lower-than-average monthly prices, 24/7/365 customer service, and 14+ years in the industry, Choice is a fool-proof option for homeowners, renters, and landlords across AZ. 

How to Choose the Best Home Warranty in Arizona

Though we’ve highlighted five top home warranty options in Arizona, you should still consider the following factors as you narrow down your list:

• Check Out the Optional Coverages: Not all plans will have the specific coverage that you need for your home. Take a look at the optional coverages and the associated costs, and see if there is a way you can build out the plan to work specifically for your needs.
• Go Through All Plan Choices: Some companies like Choice Home Warranty offer two combo plan choices. Others will cover just systems or appliances. Find a plan choice that works with your goals to protect your home.
• Consider The Company’s Reputation: The company’s reputation is quite essential. Look for information regarding the workmanship, repair guarantee, and how long the business has been in the industry. The BBB is an excellent place to find reviews and information.
• Compare the Best Home Warranty Companies in Arizona: Compare and contrast all the key coverages, industry experience, online ratings, and more for each home warranty provider.

What is a Home Warranty?

A home warranty is a contract between a homeowner and a service provider that guarantees funding for the repair or replacement of their home’s major appliances and systems. Home warranties, however, will only cover damage sustained by normal wear and tear over time. 

Once you’ve signed up, most plans typically require a 30-day waiting period to dissuade new customers from submitting claims for pre-existing conditions. Only breakdowns that occur after the initial waiting period are eligible for coverage through your provider. 

Home Warranty vs. Homeowners Insurance

While both home warranty and home insurance policies are products designed to protect your home, they don’t cover the same things. Home insurance can come in handy if your home ever sustains damage from a catastrophic event. A home warranty, however, covers unexpected damage on a much smaller scale — like an inoperable washing machine or an A/C unit blowing out hot air.  

Extreme heatwaves, wildfires, dust storms, and desert monsoons are common natural disasters in AZ that can pose huge risks to surrounding homes. So, if for example, a tree falls through your roof during a storm, your homeowners insurance policy will be liable for covering related repairs and replacements. A home warranty, however, wouldn’t deem this as coverable because the related damage wasn’t due to age-related wear and tear.

On the other hand, say you discover a leak in your roof caused by to rotting shingles. Your home warranty provider would take on the bill for necessary patching and shingle replacement, not your home insurance. 

How Does a Home Warranty in Arizona Work?

Once you’ve settled on the best home warranty for you and the initial waiting period has expired, using your Arizona home warranty is simple:

Open a Claim

Once you notice that a covered appliance or system in your home isn’t working properly, you’ll need to file a claim with your home warranty provider. This can usually be done over the phone or through your online customer portal. 

Keep in mind that some providers require the issue to be reported within a certain time frame — usually one to three days after you first noticed the problem —  in order to remain eligible for coverage.  Claims can take 24-48 hours to process before a decision is made by your home warranty company. 

Diagnostic Appointment

Assuming your claim is approved, it will then be assigned to a local technician within your service provider’s contractor network. This technician will come out to your home to assess the issue in person. After a general diagnosis of your appliance or system is made, the technician will circle back with your provider with an estimate of what it’ll cost to repair. 

You’ll need to have the service fee required in your contract on hand for this appointment. Some home warranty companies will require you to pay the service fee before the technician is dispatched while others will have you pay the technician directly. 

Repair or Replacement

After your home warranty company decides on the best course of action for your appliance or system, another technician will be dispatched to your property to begin the repair or replacement. Beyond the service fee paid during the initial home visit, you won’t owe anything further during the repair process. 

Most providers will approve an entire replacement for any repairs that exceed the retail price of a new appliance or system. You may also have the option to be compensated for the damage to any covered item in cash. 

What Does a Home Warranty Cover?

A home warranty covers necessary repairs and replacements for major home systems and appliances as they gradually fail due to normal wear over time. 

Home warranty policies come in all different shapes and sizes. Some home warranty companies split their coverage options between an appliance-only plan, a systems-only plan, and a combo option. Others, like Choice Home Warranty, have bundled coverage for both systems and appliances so that you get comprehensive protection no matter the plan level you select.

Inclusions and exclusion vary between home warranty companies, but most offer coverage for the following appliances, systems, and policy extras:

What is Not Covered by a Home Warranty?

Home warranties only cover damage caused by the natural overuse of an appliance, system, or other home feature. For that reason, there are a few scenarios in which a home warranty provider won’t step in to help, including failures caused by:

• Natural disasters or other issues that overlap with home insurance coverage
• Known pre-existing conditions
• Improper installation
• Blatant misuse 
• Lack of proper routine maintenance
• Cosmetic or factory defects
• Invasive wildlife and pests
• Rust, corrosion, or sediment
• Mold or mildew

Be aware that all home warranties do have coverage limits. Any maintenance expenses above the annual per-item dollar amount mentioned in your contract will be left to you to cover. 

Biggest Complaints about Home Warranty Companies in Arizona

We read through verified customer reviews for each of the five providers mentioned in this guide and pulled testimonials specifically from homeowners in Phoenix, Tucson, and Flagstaff. Across the 30+ responses that we reviewed, the most frequent complaint concerned unexpected claim denials.

It’s important to understand that a claim denial can, in some cases, be caused by factors other than requesting coverage for an excluded item. Attempting to fix the problem yourself or getting a repair quote from an external contractor before filing a claim can tarnish your chances of approval. Any missing or late premiums can also make you ineligible for coverage. 

If you believe your claim denial was unjustified, you’ll have the opportunity to refute the claims decision by providing further supporting documentation. No matter the circumstances, we still urge you to read your future provider’s contract carefully to ensure you’re familiar with the policy’s expectations. 

Are Home Warranties Worth it?

In 2021 alone, homeowners across the United States spent approximately $60.6 billion on 79.5 million home emergency repair projects. Arizona made up $432.36 million of that annual total. While this figure primarily applies to money spent out-of-pocket on professional services, it does account for the materials purchased by homeowners who attempted DIY fixes. 

Repairs and replacements for household appliances, systems, and other key areas are a basic requirement in order to maintain a functioning home. With that being said, a single unexpected breakdown can be a major time suck and financial obstacle for many homeowners. 

Without the proper time or budget to find, hire, and compensate a reputable service technician, household repair work oftentimes falls to the wayside or eats into funds set aside for other obligations. 

Besides saving you time and money, home warranties guarantee peace of mind above all else. For $45-$65 a month, Arizona homeowners can rest assured knowing that when a covered item does breakdown in their home, the technician vetting, appointment scheduling, price negotiation, and repair work are all taken care of by their home warranty provider. And, within one to two repairs, most home warranty plans will have paid for themselves for an entire year.