Why Trust House Method
- 63 companies reviewed
- 41 key factors analyzed
- 2583 data points parsed
- 885 homeowners surveyed
- 57 service contracts scrutinized
Home warranties cover the cost of repairing or replacing home appliances and systems when they break down due to normal wear and tear. Since you have a home warranty policy, you don’t have to hire a contractor for repairs yourself. Instead, you file a claim with your home warranty company, and they send a contractor.
If you’re like most homeowners, you want the peace of mind that the contractor has plenty of experience and does a good job. The quality of contractors that home warranty companies approve for repairs or replacements in your home is critical. Getting your breakdown or issue fixed right the first time is vital to maintaining your home.
So, we researched the top home warranty companies in the U.S., thoroughly examined how they vet and pre-approved contractors, and put together this top five list. We thoroughly evaluated each company to ensure they work with the best contractors in your area.
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.
Home warranty policies are beneficial because they protect you from repair and replacement costs for your appliances and home systems. But ensuring you have a home warranty service provider with thoroughly vetted contractors is critical if you ever need a repair.
Since not all home warranty companies use the same home contractors, finding a policy that is best for your home is critical. Each of the top home warranty companies has well-trained and experienced contractors in the network. The best of the best also have great rates, responsive customer service, comprehensive coverage, and stellar reviews.
To help you determine which home warranty companies use the best contractors, we researched the top ones and put together our top five recommendations.
Choice Home Warranty (CHW) is our number one pick for the best home warranty for contractors because they have a robust network of experienced, reliable contractors throughout the country. Along with only using the best contractors in the business, it has great coverage, reasonable pricing, and excellent customer service. It offers various home warranty plans and add-on coverage, making customizing one that fits your budget and requirements easy.
Choice Home Warranty has been in operation for nearly 15 years and is a top pick among homebuyers, real estate investors, and landlords. One of the most appealing features of Choice Home Warranty is that they charge a flat service call fee of $85, which is better than most of the competition.
CHW offers home warranties for every state besides WA.
CHW has two home warranty plans along with optional add-ons:
For a free quote from Choice Home Warranty, call them at 929-400-6164 or fill out its online form.
Continue reading about this home warranty company and its plans in our full Choice Home Warranty review.
Select Home Warranty (SHW) is one of the most comprehensive house warranties around. They only use contractors that pass their stringent review process and provide three budget-friendly home warranty plans. Furthermore, they offer lots of extra coverage options to allow you to tailor your coverage to meet your home’s needs.
SHW has a B grade on the Better Business Bureau and a positive reputation on Trust Pilot (3.8/5 stars). They also have one of the lowest service fees of any home warranty company.
In business since 2009, Select Home Warranty serves 46 states (except for NM, NV, WA, and WY) and only with quality contractors. SHW has a great value when you consider how much they cover. A few of their plans even have free leak coverage for living spaces (excluding patios).
Select Home Warranty has three warranty plans with increasing coverage:
Get a free Select Home Warranty quote by filling in this form or calling 888-370-3953.
For more details, read our full Select Home Warranty review.
For the top contractors, American Home Shield (AHS) is another one of our top recommendations. It’s one of the most experienced and successful home warranty providers, with over 45 years in business and nearly 1.3 million customers. With so much history in the industry, the company has cultivated a fantastic network of local contractors for repairs.
It has an A+ rating from the Better Business Bureau (BBB), good ratings on Trust Pilot, and coverage for all major home systems and appliances. American Home Shield offers a variety of optional extras to its home warranty plans, which is excellent for homeowners who want to customize their coverage.
If you want full protection for your home and everything in it, the ShieldPlatinum plan is the right option for you. It covers all of the essentials – 27 home systems and appliances in total.
American Home Shield provides home warranties in every U.S. state except AK.
American Home Sheild has three plans:
Plus, you can add optional coverage for:
To get a free quote from American Home Shield, fill out this form or call them at 888-365-2839.
To learn more about American Home Sheild’s plans and coverage, read our entire review.
The Home Service Club (HSC) is one of the best home warranty companies for contractors because it provides expert contractors for repairs and replacement of your home systems and appliances. HSC provides its home warranty plans to all 50, unlike most home warranty providers.
Furthermore, HSC’s home warranty has the shortest waiting period in the industry, at just ten days. This short period allows homeowners to utilize their home warranty much sooner than other top providers (which average 30 days or more).
HSC offers homeowners 11 optional add-ons to their home warranty package. One notable add-on is HSC’s roof leak coverage which includes attached garages – unlike most home warranty providers.
The Home Service Club has two coverage plans with optional add-ons:
For a free quote from HSC, complete this online form or call 800-842-9334.
And to learn more about this provider, check out our review of The Home Service Club.
Liberty Home Guard (LHG) has many years in business and offers comprehensive home warranties to its clients. It’s one of the best warranty companies for contractors because it maintains a great network of pre-approved contractors. Its contractors repair your appliances and systems in your home fast but without sacrificing quality.
LHG has an A rating on the Better Business Bureau (BBB) with nearly 300 reviews and a good 3.9/5 star rating on Trust Pilot.
Liberty Home Guard plans all have low service fees, so you won’t be surprised by the expense when you need something repaired or replaced in your home.
LHG’s home warranty plans are available in the 48 states and Washington D.C.; the exclusions are WA and WI.
Liberty Home Guard offers three home warranty plans:
For a free, no-obligation quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
To learn more about the home warranty plans Liberty Home Guard offers, read our full review.
For a home warranty to work, you will eventually need a contractor if (or when) something breaks down. Contractors, which the home warranty company approves, are the ones who provide the service and repairs when something in your home breaks down. Without an approved and vetted contractor, you would have to pay for all of the repairs and replacements yourself.
Of course, when your home needs a repair, the quality of the contractor your home warranty company hires is critical. For example, if they only “half fix” the problem or provide a bandage solution instead of a complete repair, you can be faced with the same problem later.
Therefore, home warranty companies with a robust network of experienced contractors and comprehensive plans are the best choice.
No, homeowners never need to find a contractor themselves when they have a home warranty. That’s one of the benefits of a home warranty policy. Instead of wasting your time getting multiple quotes for a repair while avoiding fly-by-night repair services, all you have to do is call your home warranty company. They will send out a pre-vetted/approved contractor right away.
Contractors cover all repairs and replacements specified in your home warranty policy. If you have a problem with your roof, for example, and your home warranty policy covers it, the home warranty company will send out a contractor to make the necessary repairs.
Or, if your clothes washer starts leaking and your home warranty covers it, a contractor will repair that too.
The price of contractors for a home warranty varies depending on the home warranty company, your plan, and sometimes what state you live in. But, if you receive approved service and repair through your home warranty, you never pay the contractor directly.
Instead, you pay your home warranty company your service fee (which ranges from $50 to $200) along with your monthly cost of the plan, and that’s usually it. In some cases, you might have to pay more if you exceed your coverage cap for certain items.
For example, let’s say your air conditioner breaks down in your new home and needs an entire replacement, costing $2,750. Assuming your home warranty covers your AC unit and your coverage cap is $2,500, you will have to pay $250 out of pocket (plus your service fee).
And again, even though the contractor does repair or replacement work in your home, you don’t pay them. You pay your warranty company, and they take care of the service request and paying the contractor.
For a contractor to work with a home warranty company, the company must vet and approve the contractor first. This process usually includes a background check, proof of insurance and licensing (where required), and more.
Once a contractor is approved, they can start taking service calls from home warranty companies in their area. When a home warranty customer calls their home warranty company with a problem, the home warranty company will send out the contractor to take a look and make the necessary repairs or tune-ups.
Here is the general process for how your home warranty company sends a contractor to your home for a repair or replacement.
Before filing a claim to get a repair or replacement from an approved contractor, you need to have a home warranty policy first. Plans usually don’t cover pre-existing conditions.
A home system or appliances covered by your home warranty breaks down from normal wear and tear. It can be anything like your cooktop, pool, clothes dryer, or a roof leak, assuming these are covered items in your policy.
You call your home warranty company when something breaks down or needs replacement. Then, they arrange a pre-vetted contractor to visit your house and assess the issue.
If your home warranty policy covers the issue, the contractor fixes or replaces the problem. Then, you pay your home warranty company your service fee, and they pay the contractor.
Each home warranty company and policy is different, so make sure you know what’s covered in your policy. Also, pay attention to any coverage caps for each item, as that will determine if you have to pay anything out of pocket for a repair or replacement. Also, note that some items are plan options.
All five home warranty companies we recommend in this guide have great contractor networks. They each have a thorough vetting process to ensure you only work with qualified and reputable contractors. So, it really comes down to which company and policy is the best fit for you and your home.
To get started, we recommend getting quotes from all five companies (or at least three), so you can compare your options side-by-side. Then, read our reviews, customer reviews, and information about each company to learn more about their customer service, claims process, exclusions, and more.
No, you cannot hire your own contractor for a home warranty. All the contractors that work with home warranty companies are pre-vetted and approved by the home warranty company to cover appliances and home systems.
If you try to use your own contractor, the home warranty company will likely not honor your claim or pay for the repairs/replacements.
No, contractors cannot cover their own repairs through a home warranty. This could be considered fraud and is not allowed.
If you try to use your own contractor and they file a claim with the home warranty company, the home warranty company will likely catch it and void your claim (and possibly cancel your policy).
A home warranty is a service contract that helps homeowners cover the costs of repairs or replacements for their home systems and appliances.
Home warranties are beneficial because they can help you save money on expensive repairs or replacements. For example, if your water heater breaks down, a home warranty will likely cover the cost of repairs or replacement (up to your coverage limits).
No, you do not need a home warranty if you have homeowners insurance. However, they are two different types of coverage.
Homeowners insurance covers damages to your home from events like fires, storms, and theft. A home warranty, on the other hand, covers the repair or replacement of home systems and appliances due to normal wear and tear.
For example, a home warranty will cover the repairs or replacement if your furnace breaks down from normal wear and tear. But if a fire damages your furnace, homeowners insurance will cover the repairs or replacement.
If you want protection on your major appliances and systems in your home, a home warranty is a good choice. A home warranty offers a way to prevent you from paying sudden, large expenses when something in your home breaks down and needs a major repair or replacement.
Best of all, when you have a home warranty, you don’t have to go through all of the hassles of finding a good contractor yourself. All you have to do is file a claim with your home warranty company, and they will send an approved and vetted contractor to you.
All of the major home warranty companies (including the five we recommend above) maintain good oversight with an in-depth contractor approval process. So, if you’re in the market for a home warranty policy, choose the company, price, and coverage that works best for your home.
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:
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Choice Home Warranty