5 Best Home Warranty Companies for Condos (2023)

Condos have become a hot commodity among first-time homebuyers in recent years, particularly because of their single-family home feel without traditional homeownership headaches like yard work and exterior maintenance. Yet while upkeep for the area surrounding your condo falls back on your community’s HOA to handle, any service needs concerning your condo’s interior features are up to you to cover.

Investing in a home warranty contract for your condo guarantees instant access to repairs and replacements for a fraction of what you would pay out-of-pocket. Keep reading to learn more about what coverage for your condo will cost and our recommendations for the best home warranty provider specifically for your condo. 

The Top 5 Best Home Warranty Companies for Condos

To help you track down the best home warranty for your condo, we’ve combed through the most reputable providers nationwide and pulled the following five companies for their superior coverage, attention to customer satisfaction, and all-around affordability:

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

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How to Find the Best Condo Home Warranty

Choosing the best home warranty company for your condo can be difficult when you’re not an expert in home appliance and system protection contracts. After diving into more than 60 companies, we identified the top factors that you should consider when selecting a home warranty plan and company:

• Easy claims process: Condo owners should search for a home warranty company known for its quick and painless claims submission processes. This means that the company should have strong customer service and an easy-to-navigate portal where you can submit the claim, track its progress, and book your service appointments.
• Low monthly premium: Although home warranty plans typically come at an average of $52 per month, condo owners should look for plans lower than this since the square footage of a condo is usually much lower than a single-family home. Additionally, systems may be newer or shared, so you won’t need as much protection.
• Workmanship guarantees: Ensure that the home warranty company you decide to go with has a strong workmanship guarantee of more than 30 days. A workmanship or labor guarantee ensures that any work done on your covered items will continue to hold.

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Compare the Best Home Warranties for Condos

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Choice Home Warranty

Why We Chose Choice Home Warranty

Out of every provider mentioned in this guide, Choice Home Warranty (CHW) stands out as the best home condo warranty. Choice keeps its condo coverage straightforward with its two main coverage options — the Basic Plan and the Total Plan. Our experts granted CHW 4.9/5 stars for having comprehensive coverage options and affordable monthly payments for condo owners.

For just $8 more per month, the Total Plan covers quite a bit more than the Basic Plan, with everything from kitchen and laundry appliances to air conditioning and most other home systems. If you can spare the extra couple of bucks, we recommend going all in with the Total plan, that way you’re not blindsided with a claim denial when a key item in your condo needs servicing.

CHW ensures that a qualified technician from their top-rated internal contractor network is sent to your condo within 48 hours of your claim approval. You can initiate the claims process 24 hours a day, seven days a week, 365 days a year, through Choice’s online portal or via their live customer service hotline. 

Key Condo Coverage Highlights

• All repairs or replacements covered by CHW are guaranteed for 90 days on parts and 30 days on labor, starting the day of the service appointment
• $0 transfer fee if you ever need your contract along to the future owner of your condo
• No home inspection is required to sign-up

Cost and Coverage

• The Basic Plan ($45 per month / $560 per year): Covers dishwashers, garbage disposals, ovens/cooktops/stoves, built-in microwaves, cooktop exhaust, ceiling fans, hot water heaters, ductwork, plumbing systems/plumbing stoppages, electrical systems, heating systems, whirlpool bathtubs, and toilets
• The Total Plan ($53.33 per month / $660 per year): Covers all of the above plus air conditioning systems, refrigerators, clothes washers, and dryers
• Optional Add-Ons ($40-$180 per year): Offers coverage for septic systems, septic tank pumping, pool/spa, limited roof leaks, well/sump pumps, central vacuums, second refrigerators, and stand-alone freezers
• Service Fee: $85

Get a free quote from Choice Home Warranty by filling out this online form or calling 929-400-6164. 

Visit our complete Choice Home Warranty review for more information on this company.

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Liberty Home Guard

Why We Chose Liberty Home Guard

Liberty Home Guard (LHG) is a relatively young company with only five years of experience compared to its competitors. However, in that time, Liberty has built a name for itself as the “most trustworthy” condo home warranty on the market, backed by hundreds of positive customer reviews and clear transparency of policies and costs on the website. LHG is also one of the only home warranty providers to boast an A rating with the Better Business Bureau (BBB). 

With Liberty Home Guard, you will clearly understand what your condo home warranty covers and where to go should an issue arise. The online portal is easy to use and allows you to submit a claim 24/7. In terms of plan recommendations, LHG’s Total Home Guard combo policy is one of our favorite plan options. With this coverage level, you’ll get comprehensive appliance and systems coverage, all for a very fair price.

Key Condo Coverage Highlights

• Has 41+ optional coverage riders for condo owners to choose from, including unique services like carpet cleaning and pest control.
• Condo warranty plans start as low as $1 per day.
• Guarantees all repairs and replacements for 60 days after servicing.

Cost and Coverage

• Appliance Guard Plan ($69.99 per month): Covers the ceiling fans, cooktop exhaust fan, disposal, dishwasher, dryer, garage door, microwave, oven, refrigerator, refrigerator ice maker, and washer. The appliance guard is the most affordable and has a service fee of $60. 
• Systems Guard Plan ($74.99 per month): Covers the air conditioner, bath exhaust fan, ductwork, electrical, heating system, plumbing, plumbing stoppages, toilet, and water heater. Systems Guard Plan has the same $60 low-priced service fee associated with the plan. 
• Total Home Guard ($79.99 per month): Covers the ceiling fans, cooktop exhaust fan, disposal, dishwasher, dryer, garage door, microwave, oven, refrigerator, refrigerator ice maker, washer, air conditioner, bath exhaust fan, ductwork, electrical, heating system, plumbing, plumbing stoppages, toilet, water heater. The Total Home Guard plan is the most popular choice and offers the most coverage for your home.

To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.

Continue reading about LHG in our Liberty Home Guard review. 

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Select Home Warranty

Why We Chose Select Home Warranty

With Select Home Warranty (SHW), you’ll pay lower premiums while still having access to the high-end plan you’d get from other, more expensive home warranty companies. According to our rating methodology, SHW is the “most affordable” home warranty for a condo. It has 4.8/5 stars due to its low service fee and transparency of cost, coverage, and limitations.

Select splits its coverage into three base policies categorized by type – an appliance plan (the Bronze Care plan), a systems plan (the Gold Care plan), and a two-for-one package that combines both (the Platinum plan).

The only downside we’ve noticed in Select’s policy detail is its slightly narrower coverage limits compared to competing providers. With a lower annual maximum, this may not be the plan for you if you have a large breakdown or a failing high-end appliance. However, most condos will suffice with a policy with lower coverage caps, as your benefits will be concentrated on interior items anyway. 

Key Condo Coverage Highlights

• Select Home Warranty offers a generous spread of new joiner discounts and seasonal promotions.
• New customers will automatically receive free roof coverage with any plan level (a $99 value).
• Policyholders are entitled to free cancellation and a full refund within the first 30 days. 

Cost and Coverage

• The Bronze Care Plan ($58 per month / $630 per year): Covers eight appliances, including stoves/ovens, built-in microwaves, refrigerators, dishwashers, garbage disposals, clothes washers/dryers 
• The Gold Care Plan ($57.67 per month / $630 per year): Covers six systems, including heating, air conditioners, ductwork, plumbing, electrical, and water heaters 
• The Platinum Care Plan ($62.08 per month / $699.99 per year): Covers all 14 appliances and systems above, as well as ceiling fans, garage door openers, and plumbing stoppages
• Optional Add-Ons ($39.99- $99.95 per year): Offers coverage for septic systems, well/sump pumps, pool/spa, sprinkler systems, central vacuum, stand-alone freezers, second refrigerators, and ice makers
• Service Fee: $75 to $125 (varies by state)

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

Check out our Select Home Warranty review for more details. 

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American Home Shield

Why We Chose American Home Shield

American Home Shield (AHS) is one of our most recommendable options; our experts rated AHS 4.7/5 stars as the “most customizable” home warranty for a condo. Condo owners who perhaps share systems with other residents in their building can instead opt for an appliance plan, or any other policy structure that works for their individual needs. 

AHS also allows condo owners to choose the service fee they’ll pay each time they need work done. The service fee they select will help determine the premium they owe monthly or annually.

Key Condo Coverage Highlights

• Annual coverage caps are much higher than competing providers
• Covers undetectable pre-existing conditions plus failures due to poor maintenance and improper installations
• Appliances and systems are eligible for coverage regardless of age, make, or model

Cost and Coverage

• ShieldSilver ($29.27- $44.27 per month / $347.88 – $527.88 per year): Covers 19 systems, including HVAC, attic fans, home security alarms, bath exhaust fans, and more
• ShieldGold ($39.27 – $54.27 per month / $467.88 – $647.88 per year): Covers 23 systems and appliances, including trash compactors, doorbells, re-keying, water dispensers, and more
• ShieldPlatinum ($59.27 – $74.27 per month / $711.88 – $891.88 per year): Combo plan covers 27 systems and appliances, including roof leaks
• Optional Add-Ons: Offers coverage for pool/spa, septic pumps, well pumps, roof leaks, and guest home repairs
• Service Fee: $75, $100, or $125

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

To learn more about AHS, visit our American Home Shield review.

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The Home Service Club

Why We Chose The Home Service Club

Since 2008, The Home Service Club (HSC) has provided condo coverage with no age exclusions on covered appliances and systems and no home inspection required, which is why we rated HSC 4.6/5 stars and the condo home warranty with “quickest service.” With an established network of over 10,000 licensed technicians, there will never be a wait when you need prompt service. 

HSC’s policy framework is self-explanatory, with two base plans featuring combo coverage but at different levels. Policyholders who wish to take their coverage one step further can choose from a number of different coverage riders for extra home services. However, most of these add-ons won’t apply to condo owners as they mostly concern exterior home services like roof repairs and utility lines.

Key Condo Coverage Highlights

• HSC only enforces a waiting period of 10 days compared to the average 30 days required by most other home warranty companies.
• Unlike many competitors, HSC offers condo home warranty coverage in all 50 states. 
• The service call fee is your choice of $60, $75, or $95.

Cost and Coverage

• Standard Coverage Plan ($50 per month / $650 per year): Covers 18 systems and appliances, including electrical, HVAC, plumbing, refrigerators, dishwashers, freestanding ice makers, trash compactors, etc.
• Comprehensive Coverage Plan ($62.90 per month / $800 per year): Covers 33 systems and appliances as well as waste/water/gas line leaks, pest control, telephone and alarm wiring, smoke detectors, plumbing stoppages, and more 
• Optional Add-Ons ($3.33 to $16.66 per month): Offers additional coverage for roof leaks, water/sewer/gas/power lines, sewage ejector pumps, sprinkler irrigation, pools and spas, well pumps, water softener, jetted bathtubs, dual-compressor refrigerators, and freestanding freezers
• Service Fee: $60, $75, or $95 

To get a free quote from The Home Service Club, fill out this online form or call 800-842-9334.

Continue reading about HSC in our complete The Home Service Club review.

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What is a Home Warranty for Condos?

A home warranty for condos is a service contract designed to protect condo owners from incurring large repair or replacement expenses for their unit’s major systems and appliances. 

Whether your condo is a new home for you or you’ve lived in your complex for many years, safeguarding your condo with a comprehensive home warranty plan will only benefit you in the long run. Once you have a policy in place, you’ll be able to go about your day with the peace of mind that you’ll never have to dodge unforeseen repair costs for your appliances or home systems.

Final Thoughts — Is a Condo Home Warranty Worth it?

In a one-on-one interview with House Method, Brandelyn Jones, a Realtor with Realty One Group in Goodyear, Arizona, disclosed that the true value of home warranty coverage for condos “will really depend, because most condominiums have HOAs with blanket insurance policies.” She went on to note that “there’s often this misconception among condo owners that their HOA will automatically assume responsibility for all repairs in and around the unit, which just isn’t the case.”

While the included amenities and features vary from community to community, most HOA fees will cover roofing and common exterior walls, but not damage to personal property. “I’m of the old ‘better safe than sorry’ mindset,” Brandelyn said. “If I have to pay, say $500 per year just for some peace of mind, then it’s worth it. These days there’s very little that you can repair in your home for much less than $500.”

In addition, you must consider your current financial situation. If you are able to pay for all of your systems and appliances to be repaired, and you have qualified and affordable repair people to take care of this, then the home warranty for your condo may not be worth it. Most people, however, will find that they don’t have the savings, knowledge, or patience to deal with the home appliance or systems issues in their homes.

In the end, you will have to decide if the condo home warranty makes sense for your budget and your lifestyle. Most people find that all it takes is one major repair to realize that the home warranty has been well worth the price. If you do not need a repair at all, consider yourself lucky. 

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Who Needs Condo Home Warranty Coverage? 

The simple truth of homeownership is that no property owner is exempt from maintenance costs. While condo owners may benefit from not worrying about exterior issues like roof leak repairs or sewer line coverage, they still need to expect to finance service solutions for occasional appliance hiccups or system failures. 

A home warranty is an especially wise investment for cost-conscious condo owners. Say, for example, your dishwasher was to stop working next week. Without a home warranty, you’re likely to spend at least $200 for a basic repair. If a repair isn’t feasible, a new dishwasher will cost upwards of $500 plus installation, transportation, and labor costs. That entire ordeal would’ve already paid for twelve months of standard home warranty coverage and most of the appliances and systems in your condo, not just your dishwasher. 

We also recommend a condo warranty for landlords or anyone who owns a condo as an investment property. In states like Florida and California, many condos bought and leased out for short-term vacations or long-term living rentals. And for landlords who can’t be on-site for their tenants to address potential maintenance issues, a home warranty policy will take care of scheduling both the diagnostic and repair appointments. 

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What Does a Condo Home Warranty Plan Cover?

There are two main categories that a home warranty plan can cover — home appliances and systems. However, be aware that home warranty providers won’t cover any systems that are shared between units like electrical systems, communal water lines and sewer lines, ductwork, etc. Fortunately, any gaps like these should be covered by your HOA. 

Depending on the type of plan level you purchase, a variety of items throughout your condo will be covered. Here’s a general rundown of common standard inclusions:

Condo Home Appliance

• Garbage disposal
• Built-in microwave
• Refrigerator
• Oven
• Clothes washer
• Clothes dryer
• Dishwasher

Condo Home Systems

How Much Does a Condo Home Warranty Cost?

The average premium for a condo home warranty plan ranges between $30 to $60 per month. Ultimately, the amount you’ll pay to cover your condo will depend on the provider you choose, the plan level you select, and whether or not you add any riders to your policy. 

Beyond the monthly or annual payment you make for your main plan, you’ll also be responsible for the out-of-pocket service call fee disclosed in any home warranty contract. 

This deductible will only be required when you open a claim and request an initial service appointment. Usually ranging between $60 and $125, this upfront payment will compensate the technician dispatched to your home for travel and labor costs. 

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How Does a Home Warranty for Condos Work?

Accessing your coverage benefits for a condo home warranty works the same way it would for a single-family home, townhome, apartment, etc. Here’s an overview of how the home warranty process will play out should you ever need a repair or replacement in your condo:

Filing a Claim

To take advantage of your home warranty coverage when a covered item breaks down in your condo, you’ll first need to open a claim with your provider. To do so, you can either call your home warranty company directly or submit online through your customer portal. 

Most home warranty companies will update you on the status of your claim and whether it was approved or denied within 48 hours or less of your submission. 

Preliminary Service Visit

Assuming your claim was approved, your service provider will proceed to schedule a diagnostic home visit through one of their in-network contractors. At this appointment, the technician dispatched to your home will assess the issue relating to your claim and report back to your home warranty company with an estimate for the repair or replacement. 

Remember that you’ll need to pay the out-of-pocket service call fee at this initial service appointment, so be sure to have that on hand. 

Repair or Replacement

Soon thereafter, you’ll hear back from your home warranty provider with the next steps on the maintenance approach they’d like to pursue. An official service appointment will be scheduled at this time.

Follow-up Warranties

Once the appliance or system in your condo has been fixed or replaced, you’ll likely be covered by a workmanship guarantee for 30-90 days following the servicing date. If any failures or malfunctions occur during that set timeframe, your provider will be liable to provide any necessary repair work, free of charge. 

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House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home. 

Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.

To make the most of our research, we developed an objective rating system to score each home warranty company based on the following criteria:

• Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
• Prices: How reasonable are the monthly and service fees compared to the industry average? We compared the costs of each company to competitors.
• Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
• Customer service: How is the customer experience when calling the providers? Based on our phone calls, we judged each company’s customer service.
• Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
• Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
• Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that set them apart from the competition.

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