Best Home Warranty Companies in Arizona (2023)

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

Our experts reviewed and ranked the best home warranty companies in Arizona so you can find the perfect one to fit your home’s needs.

Top 5 Best Home Warranty Companies in Arizona (2023)

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

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Compare the Best Home Warranty Companies in Arizona

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Choice Home Warranty – Best Overall

Why We Chose Choice Home Warranty

Choice Home Warranty (CHW) is the best overall home warranty in Arizona and earned 4.9/5 stars according to our rating methodology. 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.

Plans and Pricing

Choice Home Warranty has two protection plans for Arizona residents: the Basic Plan and the Total Plan. These home warranty policies offer a combination of home appliance and systems coverage. Choice’s combined coverage framework ensures 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.

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

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.

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Select Home Warranty – Most Cost Effective

Why We Chose Select Home Warranty

Our experts rated Select Home Warranty (SHW) 4.8/5 stars as the most cost-effective home warranty in Arizona. 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, complimentary roof leak protection (a $99 value), and two free months of extra coverage.

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 of choice because it combines everything included in Bronze and Gold Care for only $3 more per month. Select’s coverage limits vary by item but range between $500-$2,000. The service fee required with any plan level 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 ($44.42 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.
• Gold Care ($44.42 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 ($47.45 per month): The Platinum Care plan is the most comprehensive option offered by Select Home Warranty. With this plan, Arizona homeowners will have system and appliance coverage for just a couple of bucks more per month than the Bronze Care or Gold Care plan.

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

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

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.

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American Home Shield – Most Customizable

Why We Chose American Home Shield

American Home Shield (AHS) earned 4.7/5 stars and was named the most customizable home warranty company in Arizona by our experts. AHS allows its policyholders to customize their service fee of $75-$100 and, in turn, have more flexibility in their monthly payments. Each of the three home warranty plans comes with adjustable payment options and coverage on unknown pre-existing conditions.

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.

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 27 systems and appliances and is one of Arizona’s most premium home warranty policies. 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 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

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, fill out this online form or call 888-365-2839.

For more information, read our American Home Shield Review.

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The Home Service Club – Quickest Coverage

Why We Chose The Home Service Club

The Home Service Club (HSC) was awarded 4.6/7 stars and named the home warranty company in Arizona with the quickest coverage. 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 ideal for homeowners with a house on the market, as HSC also offers home warranty coverage specifically for active real estate listings.

Plans and Pricing

The Home Service Club has two policies for Arizona homeowners: 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 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 offers coverage for gas leaks, ductwork, sump pumps, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust fans, and more.

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

Plan	Cost Per Month	Annual Cost	Service Fee
Standard Coverage Plan	$50	$650	$60-$95
Comprehensive Coverage Plan	$62.90	$800	$60-$95

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

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Liberty Home Guard – Most Trustworthy

Why We Chose Liberty Home Guard

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.

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 ($64.99 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 ($69.99 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 ($74.99 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. 

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)

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.

Read our Liberty Home Guard review for more information.

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Local Home Warranty Companies in Arizona

Choosing a home warranty company in Arizona can be difficult when you’re not familiar with all the ins and outs of coverage, annual limits, exclusions, etc. We have reviewed and ranked the best home warranty companies in all of the most popular cities in Arizona so you can have peace of mind. 

Find the Best Home Warranty in Your Area

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Quick Comparison of the Best Home Warranty Companies in Arizona

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 customizable plans	Quickest service	Most trustworthy
Average Cost	$45 – $53	$56 – $62	$34 – $64	$50 – $62	$70 – $80
Service Fee	$85	$60	$75, $100, or $125	$60, $75, or $95	$75
Annual Limit	$3,000 per standard item; $250-$500 for add-ons	$500-$3,000 per standard item; $400 for add-ons	Up to $6,000 per standard item; $1,500+ for add-ons	$500-$2,500 per standard item; $500-$2,000+ for add-ons	$2,000-$2,500 per standard item; $250-$500 for add-ons
Average Response Time	Up to 48 hours	Up to 48 hours	Up to 48 hours	Within 24 hours	Within 24 hours
State Availability	Not available in WA	Not available in WA, NV, WY, or NM	Not available in Alaska	Available in all 50 states	Not available in WAor WI
Online Chat / Mobile App	Yes	No	No	No	Yes
Quote	Get Quote	Get Quote	Get Quote	Get Quote	Get Quote

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What is a Home Warranty and How Does it Work?

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 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. 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 be assigned to a local technician within your service provider’s contractor network. This technician will visit your home to assess the issue in person. After a general diagnosis of your appliance or system, the technician will circle back with your provider with an estimate of what it’ll cost to repair, and you’ll pay the service fee outlined in your contract. 
• 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. You may also have the option to be compensated for the damage to any covered item in cash. 

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

Watch the video below to learn more about what a home warranty in Arizona covers and doesn’t cover.

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How to Find the Best Home Warranty in Arizona

Home warranty plans can get pretty expensive and complicated with the different types of coverage, payment options, and annual limits. As an Arizona homeowner, you want to be sure you’re getting the best coverage possible at a price that won’t break the band. Here are some essential features to look for in a home warranty in Arizona.

• Air conditioning coverage: With Arizonians’ extremely hot and humid weather, there will likely be extensive wear and tear on the home’s A/C system. Opt for a home warranty policy that offers high coverage limits and comprehensive protection on air conditioners or HVAC systems.

• High coverage caps: Look for home warranty policies with annual coverage limits upwards of $2,000 or more on each item. This way, you ensure your home warranty will cover any of the necessary repairs or replacements that you may need.
• Flexible payment options: Some home warranty companies offer customizable service fees that can make monthly payments more affordable. Also, be on the lookout for discounts if you pay for the policy in full.

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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 sometimes 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 claim’s 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. 

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Final Thoughts – Is a Home Warranty in Arizona Worth It?

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 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.”

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. 

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 break down 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.

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Additional Arizona Home Warranties to Consider