The 5 Best Home Warranty Companies for Luxury Homes (2022)

By Jon Jachura

Home warranties provide great coverage for unexpected repairs and replacements of major home systems and appliances. You can get a home warranty policy on homes of any size and shape, including luxury ones. All major home warranty companies provide coverage for luxury homes.

Best Overall

  • 4.9 out of 5 stars
  • Superior cost-to-coverage ratio
  • Emergency servicing available
Most Cost-Effective

  • 4.8 out of 5 stars
  • Lowest service fee
  • Free roof leak coverage
Most Customizable

  • 4.7 out of 5 stars
  • 50+ years in business
  • Pick-your-own service fee

Sure, your homeowner’s insurance policy will cover some damages, but they almost always have a high deductible and don’t cover systems and appliances as home warranties do. So, if you only have homeowner’s insurance, you’ll have to pay for repairs and replacement of these items out of pocket. That’s where a home warranty policy helps the most – it can save you hundreds to thousands of dollars in costs.

With that said, finding the best home warranty providers for luxury homes with all the plan and coverage options is challenging. That’s why we researched all the top brands and made this top five list. We vetted every home warranty company with a microscope to ensure they have the best coverage for luxury homes.

Why Trust House Method

  • 63 companies reviewed
  • 41 key factors analyzed
  • 2583 data points parsed
  • 885 homeowners surveyed
  • 57 service contracts scrutinized

House Method’s Experts collected and analyzed 2000+ critical data points to identify what makes a great home warranty company in the eye of the consumer. Our reviews team used this data to assess over 60 home warranty providers for coverage extent, annual cost, and national availability to provide unbiased reviews so homeowners can confidently navigate key decisions about their homes.

The Best Home Warranty Companies for Luxury Homes in 2022

Luxury homes usually have higher-end appliances and home systems to match the aesthetics and provide enough capacity for the typically larger floorplan. So, most luxury homes need higher coverage caps and additional coverage above what usually comes with a standard home warranty policy.

Not every home warranty company provides the same amount of coverage, making finding the best one for your home critical. The top providers have high coverage caps, fair rates, low service call fees, great customer service, and several optional add-ons for luxury homes.

To find which home warranty companies are best for luxury homes, we researched them all and put together a list of the top five based on the above criteria.

  1. Choice Home Warranty – Most comprehensive coverage
  2. Select Home Warranty – Best overall for duplexes
  3. American Home Shield – Best customizable plans
  4. The Home Service Club – Fastest service
  5. Liberty Home Guard – Most trustworthy

1. Choice Home Warranty

Choice Home Warranty (CHW) is our top choice of home warranty company for luxury homes. It has high coverage caps, experienced and quick customer service, reasonable pricing and service fees, and a variety of optional add-ons. It offers various plans that luxury homeowners can choose from to get the best coverage for them.

Choice Home Warranty has plenty of experience in the industry with over 15 years in business. It is a top choice for luxury homeowners, landlords, home buyers, and real estate investors since it has a great track record and is easy to work with. Some advantages of CHW are its low-cost service fee of $85 and several optional add-ons that many luxury homes need.

You can get a Choice Home Warranty plan in every U.S. state except for WA.

Best Overall

  • 2 plans available + optional add-ons
  • Has over 11 years of industry experience
  • 90-day repair guarantee
  • $46–$55 per month with $85 service fee

Key Highlights

  • High coverage caps
  • Several optional add-ons for luxury homes
  • You don’t need a home inspection to start a plan

Plans, Cost, and Coverage

CHW offers two home warranty plans and several optional add-ons to ensure you can cover everything you need in your luxury home.

  • The Basic Plan ($45 per month / $560 per year): This home warranty policy is lower cost and provides coverage for 14 home systems and appliances, including refrigerators, ovens, toilets, ductwork, plumbing systems, kitchen appliances, and more.
  • The Total Plan ($53.33 per month / $660 per year): CHW’s top plan with the most coverage, it protects 18 home systems and appliances, including clothes washer, clothes dryer, hot water heaters, stove tops, air conditioning systems, plumbing systems, dishwashers, and all items in the Basic Plan.
  • Optional Add-Ons ($40-$180 per year): Nine extra a la carte add-ons for septic systems, sump pumps, standalone freezers, wells, septic tank pumping, pools, spas, and some roof leaks.
  • Services Fees: $85 flat

For a free home warranty quote from CHW, call 929-400-6164 or fill in its online form.

To learn more about this great home warranty provider, look at our full Choice Home Warranty review.

2. Select Home Warranty

Select Home Warranty (SHW) is one of the most comprehensive home warranty providers for luxury homes. It offers three comprehensive home warranty plans and plenty of optional add-ons to get the most coverage in your luxury home. They also have lower service fees than most companies, which means you won’t have to pay a whole lot if you have an issue.

SHW is in great standing with its customers. It has a good B rating on the Better Business Bureau (BBB) and a solid 3.8/5 star rating on Trustpilot.

A few great features about the company are its reasonable pricing, considering how many items they cover, and its roof leak coverage for living areas. Select Home Warranty has been in business since 2009 and offers its home warranty plans to 46 states. It is not available in NM, NV, WA, and WY.

Most Cost-effective Plans

  • 3 plans ranging from $52-$58 per month + optional add-ons
  • Provides free roof leak coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Affordable service fee of $60

Key Highlights

  • Plenty of add-on options for luxury homes
  • Lower service call fees than average
  • 90-day repair and workmanship guarantee

Plans, Cost, and Coverage

Select Home Warranty has three home warranty plans. For luxury homeowners, select enough coverage since you’ll likely have more appliances and systems.

  • The Bronze Care Plan ($58 per month / $630 per year): Provides coverage for eight appliances and systems, including your stove, cooktop, oven, built-in microwave, dishwasher, clothes washer, clothes dryer, refrigerator, and garbage disposals.
  • The Silver Care Plan ($57.67 per month / $630 per year): Covers six additional home systems and appliances, including your electrical, plumbing, air conditioning unit, heating system, hot water heaters, ductwork, and everything in the Bronze plan.
  • The Gold Care Plan ($62.08 per month / $699.99 per year): Combines everything in the Bronze and Silver Plans plus garage door openers, ceiling fans, and plumbing stoppages.
  • Optional Add-Ons ($39.99-$99.95 per year): Extra optional coverage for central vacuum systems, ice makers, stand-alone freezers, refrigerators, light fixtures, electrical outlets, electrical switches, septic systems, well systems, sump systems, sprinkler systems, spas/pools, and roof leaks.
  • Service Fee: $75 to $125, depending on your location

Get a free Select Home Warranty quote by filling out this form or calling its number – 888-370-3953.

For more information about the company and its plans, read our Select Home Warranty review.

3. American Home Shield

American Home Shield (AHS) is another great choice for your luxury home warranty. It is one of the oldest and most well-renowned home warranty providers, with over 45 years in business and 1.3 million+ customers.

Owners of luxury homes can choose additional coverage from the several optional add-ons AHS offers. Each of its three plans has high coverage caps and covers up to 33 systems and appliances (depending on the plan).

American Home Shield has some of the best consumer ratings in the industry. It holds a great A+ rating on the Better Business Bureau and many positive reviews. AHS offers its home warranty plans in every U.S. state besides AK.

Best Customizable Plans

  • 3 plans + add-ons and the option to build your own plan
  • Customers can choose the service fee they want to pay
  • Provides generous coverage caps
  • $35–$75 per month

Key Highlights

  • Cover up to 33 appliances and systems with a single plan
  • Large coverage caps of $3,000 or $6,000 depending on the plan
  • Many optional add-ons for additional coverage

Plans, Cost, and Coverage

American Home Shield offers three home warranty plans with varying levels of coverage:

  • SheildSilver ($29.27- $44.27 per month / $347.88 – $527.88 per year): Provides coverage for 19 appliances and systems, including smoke alarms, attic fans, garbage disposals, electrical systems, AC units, heating systems, HVAC systems, plumbing system, water heater, and many more.
  • ShieldGold ($39.27 – $54.27 per month / $467.88 – $647.88 per year): Protects 21 home systems, including microwave, oven, dishwasher, refrigerator, clothes washer, clothes dryer, and most items covered by the SheildSilver plan.
  • ShieldPlatinum ($59.27 – $74.27 per month / $711.88 – $891.88 per year): Covers 27 home systems and appliances, including everything in the ShieldSilver and ShieldGold plans with the addition of automatic roof leak coverage.
  • Service Fee: $75, $100, or $125

Additionally, owners of luxury homes can get the following add-ons:

For a free home warranty quote from AHS, fill out their form or call 888-365-2839.

To learn more about American Home Sheild and its warranty coverage, read our full review.

4. The Home Service Club

The Home Service Club (HSC) is one of the top home warranty companies for luxury homes because its plans cover several home systems and appliances, including water heaters, sump pumps, refrigerators, well pumps, air conditioners, and more.

HSC has one of the fastest waiting periods of any home warranty provider. Your coverage starts just ten days after enrollment; the average in the industry is 30 days. A shorter waiting period is beneficial because it lets luxury homeowners use their coverage sooner if a breakdown occurs.

Along with its two comprehensive home warranty plans, HSC has many optional add-ons. This allows homeowners to add coverage for everything they need. The Home Service Club offers its home warranty plans to every U.S. state.

Quickest service

  • Offers 2 plans + optional add-ons for over 10 items
  • Covers items regardless of their age, make, or model
  • Provides high coverage caps on essential systems and appliances
  • Has real estate home warranty plans

Key Highlights

  • Large coverage caps
  • Several add-on options are available
  • 24/7/365 customer support

Plans, Cost, and Coverage

HSC has two coverage plans and several optional add-ons:

  • Standard Coverage Plan ($50 per month / $650 per year): Covers 18 home systems and appliances, including AC units, heating systems, water heaters, ceiling fans, dishwashers, refrigerators, range, cooktop, oven, and more.
  • Comprehensive Coverage Plan ($62.90 per month / $800 per year): Covers a total of 33 home appliances and systems, waste/water/gas line leaks, water dispensers, telephone and alarm wiring, plumbing stoppages, and everything the Standard Coverage Plan covers.
  • Optional Add-Ons ($3.33 to $16.66 per month): Additional covered items of sprinkler irrigation, jetted bathtubs, sewage ejector pumps, roofs, utility, home service lines, well pumps, water softeners, freestanding freezers, doorbells, and more.
  • Service Fee: $60, $75, or $95

Complete this online form to get a free home warranty quote for your luxury home from The Home Service Club or call the company at 800-842-9334.

Read our review of The Home Service Club to learn more about this home warranty provider.

5. Liberty Home Guard

Liberty Home Guard (LHG) excels as a home warranty provider for luxury homes because of its three comprehensive plans with plenty of optional add-ons. This makes it easy for homeowners to cover every major appliance and home system in their luxury homes.

But for the best coverage, homeowners can choose the Total Home Guard Plan to combine most home systems and appliances, then add on the extras they need. But no matter which plan you choose, the service fee will be $75, which is lower than average.

From a consumer standpoint, LHG is ranked well. It holds an excellent A rating on the Better Business Bureau and a 3.9/5 star rating with TrustPilot. LHG offers its plans in 46 U.S. states; if you live in Washington D.C., IL, WI, WA, and WY, you’ll have to look

Most Trustworthy

  • 3 plans ranging $65-$125 with 25+ optional add-ons
  • Has a 60-day workmanship guarantee on all repairs
  • Customer service available 24 hours a day, seven days a week
  • BBB’s only A+ accredited home warranty provider

Key Highlights

  • Low $75 service fee
  • Plenty of a la carte options for luxury homeowners
  • Customer service is available 24/7 every day of the year

Plans, Cost, and Coverage

Liberty Home Guard has three home warranty plans and optional coverage:

  • Appliance Guard ($64.99 per month / $649.99 per year): Protects 11 home appliances, including dishwashers, built-in microwaves, garbage disposals, refrigerators, clothes washers, clothes dryers, ranges/ovens/cooktops, ceiling fans, cooktop exhaust fans, and more.
  • System Guard ($69.99 per month / $699.99 per year): protects major systems like plumbing, plumbing stoppages, water heaters, electrical, toilets, ductwork, heating, and air conditioning systems.
  • Total Home Guard ($74.99 per month / $749.99 per year): Combines the Appliance Guard and System Guard plans into one cost-effective plan.
  • Optional Add-On Coverage: Extra plan options for light fixtures, pool/spa, lawn sprinkler system, locksmith, trash compactor, second refrigerator, ejector pump, pest control, water softener, and many more.
  • Service Fee: $75

Get a free home warranty quote from Liberty Home Guard by completing this form or calling 866-451-2281.

For more information, read our Liberty Home Guard home warranty review.

What is a Home Warranty for Luxury Homes?

A home warranty is a service contract that helps cover repair and replacement costs on major home systems and appliances, such as your AC unit, furnace, refrigerator, dishwasher, etc. And for luxury homes, they’re no different – except you may need to add on optional coverage for extra systems and appliances.

Who Needs a Luxury Home Warranty

Anyone who owns a luxury home should consider getting a new home warranty policy. While luxury homes are built to last, they’re not indestructible. Things will break down and need repairs – it’s just a matter of time.

And if you’re like most people, you don’t want to spend an extra $5,000 or $10,000 of your hard-earned cash for these repairs. A home warranty policy can help you regulate your expenses, get fast response times for repair and replacement service, and give you peace of mind knowing that you’re covered.

What Does a Luxury Home Warranty Cover?

The coverage for luxury homes is the same as any other home. However, luxury homes generally have more coverage since they have additional covered appliances and home systems.

For example, a luxury home may be larger and have 2-3 air conditioning units or two sets of clothes washers and dryers. In that case, home warranties with add-ons are a necessity if you want to cover all items.

Also, luxury homes usually have high-end appliances too. So, a home warranty policy with high coverage caps is beneficial. Some home warranty service providers have a $500 limit per item, while others have a $1,000 limit. If you have high-end appliances, you’ll want to ensure they’re covered.

How Much Does a Luxury Home Warranty Cost?

The average home warranty policy costs between $300 and $500 per year. But, the price will increase if you add coverage for extra items or increase your coverage limits.

How Does a Home Warranty for Luxury Homes Work?

Whether you’re moving into your brand new luxury home or have lived in one for a while, the home warranty process is the same. When you have a home warranty policy, you can call your home warranty company when something breaks down and needs to be repaired or replaced.

The home warranty company will send a contractor to assess the damage. If they determine that it’s covered under your policy, they’ll proceed with the repairs or replacement.

Here is the home warranty process step-by-step.

Get a Luxury Home Warranty

Before making a home warranty claim, you must get a policy first. To get the best coverage for your luxury home, get a home warranty plan from one of the five providers we recommend above.

Remember, home warranties never cover pre-existing conditions.

Something Breaks in the Luxury Home

It’s bound to happen – something in your home will break. When it does, don’t panic. If it failed from normal wear and tear, find contact information for your home warranty company.

You Contact the Warranty Provider & File a Claim

Give them a call and tell them what happened. The customer service representative will ask you some questions about the problem and may even try to help you fix it over the phone. If the issue can’t be resolved over the phone, the home warranty company will send a contractor to look at it.

They Fix It, and You Pay a Service Fee

If the contractor determines that your home warranty policy covers the repair or replacement, they’ll go ahead and fix it. You will have to pay a service fee, usually between $60-$125, depending on the home warranty plan, company, and location.

Be Aware of Your Policy Limits and Coverage Caps

You must know your coverage limits when signing up for a home warranty policy. For example, some home warranty plans will only cover $500 per appliance or system, while others will cover $1,000.

Also, keep in mind that home warranties have coverage caps – the total amount the home warranty company will pay out per year.

Frequently Asked Questions About Luxury Home Warranties

Should I Get a Home Warranty on my Luxury Home?

Getting a home warranty is a bright idea if you want to protect your home and budget against the high cost of repairs. It’s imperative if your home has high-end appliances or systems that would be expensive to fix.

Does a Luxury Home Warranty Cover High-End Appliances?

Most home warranty companies will cover high-end appliances if you purchase a policy with high coverage limits. But, it’s essential to check with the provider to see their definition of a “high-end” appliance.

Are There Home Warranties for Luxury Homes?

There are home warranties for luxury homes, but they work the same as any other home warranty policy. But you may need to add on optional coverage for extra systems and appliances.

What is typically covered under a home warranty?

A home warranty typically covers repairs and replacements on major home systems and appliances, such as your AC unit, furnace, HVAC ductwork, garage door openers, refrigerator, dishwasher, clothes dryer, clothes washer, etc.

What is a service fee?

A service fee is a charge you pay to the home warranty company whenever they send a contractor to your home for a repair or replacement. This fee is generally between $50 and $100 but varies depending on the plan and the home warranty company.

Final Thoughts

A luxury home warranty is a great way to protect your budget against the high cost of repairs and replacements on major home systems and appliances.

When shopping for a policy, compare coverage limits, service fees, cancellation fees, and customer reviews to find the best fit for your needs. And, don’t forget to read the fine print, so you know what’s covered – and what’s an exclusion.

House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader.

To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.

We developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria. We used a five-point scale with a point index ranging from 0.00 to 1.00. The minimum awardable value is 0.0, whereas 1.00 is the maximum. These numeric points are translated into star ratings, using whole star increments between one and five.

Here is a quick breakdown of our five core scoring categories:

  • Coverage (0.4): This category evaluates the scope of protection offered by a home warranty provider. We clearly distinguished between limited or broad coverage to help homeowners identify their own home protection needs. We also factor in claim turnaround times, average waiting period lengths, plan types, annual coverage limits, policy exclusions, etc.
  • Cost (0.3): This category considers what home warranty companies charge homeowners monthly, annual, and out-of-pocket. We urge homeowners also to consider the cost-to-value ratio of a home warranty plan.
  • Transparency and Trustworthiness (0.15): This category evaluates home warranty providers based on pending or past legal action, hidden fees, lack of information readily available on the website, exclusions, and more. We consider how upfront a company is to its potential policyholders, which says a lot about its products and services.
  • Customer Support and Satisfaction (.09): This category evaluates the efficacy of a home warranty company’s effort to provide supportive guidance to inquiring customers and how policyholders are satisfied with the assistance they receive.
  • Customization (.06): This category evaluates the ability of homeowners to adjust and choose their policy details, such as pricing variation, optional add-ons, and the number of plans available.

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