5 Best Home Warranty Companies for Condos (2022)

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 you’ll have 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. 

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 Condos in 2022

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. 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
Name

Description

Our take: Best Overall
Plan options: 2 plans + optional add-ons
Monthly premium: $45-$53
Year founded: 2008
State availability: 49 states (excluding WA)

Score
9.7 / 10
Name

Description

Our take: Most Cost-Effective
Plan options: 3 plans + optional add-ons
Monthly premium: $57-$62
Year founded: 2012
State availability: 46 states (excluding NM, NV, WA, WY)

Score
9.6 / 10
Name

Description

Our take: Most Customizable
Plan options: 3 plans + optional add-ons
Monthly premium: $30-$75
Year founded: 1971
State availability: 49 states (excluding AK)

Score
9.5 / 10
Name

Description

Our take: Quickest Service
Plan options: 2 plans + optional add-ons
Monthly premium: $50-$63
Year founded: 2008
State availability: all 50 states

Score
9.4 / 10
Name

Description

Our take: Most Trustworthy
Plan options: 3 plans + optional add-ons
Monthly premium: $65-$80
Year founded: 2017
State availability: 48 states (excluding WA & WI)

Score
9.3 / 10
Name

Description

Our take: Best Workmanship Guarantee
Plan options: 3 plans + optional add-ons
Monthly premium: $35-$68
Year founded: 1978
State availability: 48 states (excluding AK & HI)

Score
9.2 / 10
Name

Description

Our take: Best for Immediate Coverage
Plan options: 2 plans + optional add-ons
Monthly premium: $53-$61
Year founded: 2016
State availability: 46 states (excluding CA, NV, NY, WA)

Score
9.1 / 10

1. Choice Home Warranty

Out of every provider mentioned in this guide, Choice Home Warranty (CHW) stands out as the overall best home warranty policy for a condo. Choice keeps its condo coverage straightforward with its two main coverage options — the Basic Plan and the Total Plan. 

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. 

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

  • 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 required in order to sign-up

Plans, 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.

2. Select Home Warranty

With Select Home Warranty (SHW), you’ll pay lower premiums while still having access to the high-end plan that you’d get from other, more expensive home warranty companies. 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 real downside we’ve noticed in Select’s policy detail is its slightly narrower coverage limits compared to competing providers. With lower annual maximum, if you have a large breakdown or a failing high-end appliance, this may not be the plan for you. Most condos, however, will suffice with a policy that has lower coverage caps as your benefits will be concentrated on interior items anyway. 

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

  • 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 

Plans, 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. 

3. American Home Shield

American Home Shield (AHS) is one of our most recommendable options for condo owners because of the customizability of its home warranty plans. 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.

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

  • 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

Plans, 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.

4. The Home Service Club

Since 2008, The Home Service Club (HSC) has provided condo coverage with no age exclusions on covered appliances and systems in addition to no home inspection required. With an established network of over 10,000 licensed technicians, there will never be a wait when you’re in need of prompt service. 

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

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

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

Plans, 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.

5. Liberty Home Guard

Liberty Home Guard (LHG) Is a relatively young company compared to its competitors,  with only five years of experience. However, in that time, Liberty has built a name for itself as the most trustworthy home warranty company on the market, backed by hundreds of positive customer reviews. 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 come up. 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 some comprehensive appliance and systems coverage, all for a very fair price.

Most Trustworthy

  • 3 plans ranging $65-$75 with 20 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

  • 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

Plans, 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, 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

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.

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. 

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 Appliances Condo Home Systems
  • Garbage disposal
  • Built-in microwave
  • Refrigerator
  • Oven
  • Clothes washer
  • Clothes dryer
  • Dishwasher
  • Electrical systems
  • Ductwork
  • HVAC Systems
  • Heating systems
  • Plumbing systems
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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’ll 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. 

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 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. 

Frequently Asked Questions about Condo Home Warranties

Is home insurance for condos and a condo home warranty the same thing?

No. Condo insurance and a condo home warranty are not the same. In fact, even a manufacturer’s warranty is different from these two things. When you first purchase a condo, it makes sense to learn about the coverage you have in place and what you can do should an issue come up.

A homeowners insurance policy protects against particularly catastrophic issues — think hurricanes, fire, tornadoes, etc. Homeowners insurance is often something you must have in place due to your mortgage. Both your mortgage company and insurance company want to make sure that you are covered in the event of a major loss.

While a home warranty is technically a form of damage insurance, it’s designed to cover more mundane issues related to the normal wear and tear of items throughout your condo. With a home warranty, you will help save money on unexpected repairs of home systems and appliances. These repairs come up often, and they require a significant investment.

What is the deductible for a condo home warranty?

Most home warranties will have a service fee instead of a deductible. The service fee is what you pay when you have an issue in your home that requires a repair person’s attention. Most of the service fees for home protection plans range between $60-$125, but if you’re on a budget, be sure to compare the prices of multiple providers before choosing.

Once you pay the service fee, the plan will pay for the rest of your repair, up to the plan limit. Certain companies, like American Home Shield, give you some flexibility in what the service fee will cost. Most companies do not charge an additional service fee should you experience more issues with the same appliance or system.

What are the plan types offered for home warranties?

Most home warranty companies offer an appliance plan, a systems plan, and some type of combo plan. There are also additional coverage options for things that may not be included as part of the typical plan.

Depending on what company you choose, the appliances or systems will be picked for you, or you can customize the options slightly to work for your needs. Most of the time, the combo plan will be considered a platinum plan and costs a bit more than the other options. Regardless of your budget, something out there should work for you.

Are all condos eligible for home warranty coverage?

As we mentioned, you will first have to make sure that the home warranty coverage is offered. Chances are, there are at least a few companies that you will be able to choose from in your area.

Once you submit your application and choose your plan, you will typically have about thirty days before your plan will take effect. During this time, if there are any issues with the condo, they will not be covered.

In addition, most plans are not going to cover pre-existing issues. Let’s say, for instance, that your oven is not currently functioning. Even after your 30-day wait period, you will still not be able to submit a request for a repair for that oven. All systems and appliances must be in working order at the beginning of your plan.

Keep in mind that home warranty companies will not cover issues that were your own fault. If, for instance, you put something in a microwave that causes it to be short, that won’t be covered. If the touch panel on your oven stops working at no fault of your own, you can expect full coverage.

How does a condo warranty differ from a single-family home warranty?

The coverage terms for a condo and a traditionally stick-built home are very similar. The biggest difference is that when you own a condo, some of the systems don’t fall within your responsibilities as a resident to cover. Certain larger systems will sometimes be shared amongst other residents in your complex and will already be covered by your HOA if something goes wrong. 

However, the plans are essentially identical when it comes to major appliances. Many condos have just as many appliances as a single-family home would have. Protecting yourself from expensive appliance repairs is vitally important, no matter where you live. 

Final Thoughts — Is a Condo Home Warranty Worth it?

When deciding if a condo home warranty is worth it, you should consider three things:

  1. The value you’ll get from the policy
  2. Your current financial situation
  3. The projected length of your stay at your complex

If the price you pay for a month is going to be something that fits into your budget, then the home warranty policy is going to make quite a bit more sense. When you see that sometimes an HVAC repair can cost $700, you will quickly realize that the $39 per month was a much easier and smarter alternative.

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.

Lastly, consider your plans for your condo. Do you think that you may sell your condo at some point? If you can show that the condo was protected with a home warranty plan for the last several years, it could give buyers more confidence about its quality. Knowing that systems and appliances were properly repaired and taken care of certainly brings some peace of mind.

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. 

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.
Exterior of small American house with blue paint and red entrance door. Northwest, USA
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