5 Best Home Warranty Companies for Electrical Systems (2022)

Many people don’t realize that their homeowner’s insurance doesn’t cover their home’s major systems, and without a home warranty that cover’s your electrical systems, you’re leaving yourself open to thousands of dollars worth of repairs and headaches. A good home warranty that covers electrical systems not only helps you pay for repairs when something breaks down but also takes the burden of finding a reliable electrician off your shoulders. This guide covers everything you need to know about electrical system warranties to choose one that fits your budget and gives you the protection you need.

Home warranties cover damage to appliances and home systems, helping you pay for repairs and replacements up to some coverage limit. These policies are distinct from homeowner’s insurance, which only covers property and structural damage. The best home warranties feature low monthly rates and offer comprehensive coverage for all your major appliances and home systems — like your electrical system. When you run into an issue, you contact your home warranty provider, and it handles finding a suitable technician and scheduling the visit. Continue reading for an in-depth look at the best home warranties for electrical systems.

The Best Home Warranty Companies for Electrical Systems in 2022

There are tons of home warranty companies out there these days, and not all of them are well-suited for protecting electrical systems. We’ve taken it upon ourselves to compile this short list of the five best companies that offer coverage for electrical systems. Our ranking is based on an extensive set of factors, including the monthly cost, the extent of coverage a company provides, the level of customization available per plan, and the company’s reputation among existing customers, as evidenced by reviews and ratings. Here’s what we’ve found:

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

1. Choice Home Warranty — Best Overall

Choice Home Warranty has been in the home warranty business for 13 years and amassed a loyal following on the back of stellar customer service, great rates, and generous coverage limits. One of the best parts about Choice Home Warranty is its transparency. The company posts sample contracts on its website for you to peruse and has some of the clearest contracts in the industry. Choice Home Warranty also sets itself apart from other companies by offering coverage for all major appliances and home systems — including electrical systems — across all of its plans, a rarity in the home warranty space.

Key Highlights

• Electrical system coverage included in all plans
• Free cancellation within 30 days
• Generous 90-day workmanship guarantee on service
• 18 core coverage options and 9 supplemental add-on coverage options

Plans, Cost, and Coverage

Choice Home Warranty has two protection plans, both of which offer coverage for your electrical system. Each plan includes coverage for a mix of appliances and systems, making it easy to get comprehensive coverage regardless of which plan you choose. The company also offers add-ons for more specialized coverage if you need protection for something not included in either plan.

• Basic Plan ($42/month): The Basic Plan covers a mixture of appliances and systems. You get coverage for your electrical system, plumbing system, and heating system, along with coverage for built-in microwaves, dishwashers, stovetops, ovens, garbage disposals, HVAC ductwork, jetted bathtubs, garage door openers, exhaust fans, and ceiling fans.

• Total Plan ($53.33/month): For about $11 more per month, the Total plan covers everything in the Basic Plan, plus air conditioners, refrigerators, clothes washers, and clothes dryers.

• Optional Add-Ons: If you can’t find everything you need in either of the above plans, you can supplement your coverage with any of the nine following add-ons: second refrigerators, pools, hot tubs, central vacuuming, well and sump pumps, septic tanks, roof leaks, and stand-alone freezers.

• Service Fee: $85

If you’d like a free quote from Choice Home Warranty, fill out this online form or call the company directly at 929-400-6164.

For more information, check out our complete Choice Home Warranty review.

2. Select Home Warranty — Most Cost-Effective Plans

Select Home Warranty is known throughout the home warranty industry for its excellent prices, especially its low service fees. The company has been around since 2012 and currently holds a solid B rating from the Better Business Bureau (BBB), an above-average rating for a home warranty company. Unlike Choice Home Warranty, Select Home Warranty does not offer coverage for electrical systems in all of its plans, so you’ll have to choose one of the higher-priced packages. Luckily, Select Home Warranty is one of the most affordable home warranty companies, so upgrading to one of its higher tiers won’t break the bank.

Key Highlights

• Complete home coverage only costs $57 per month
• $60 service charge is among the lowest in the industry
• All plans come with (limited) roof leak coverage

Plans, Cost, and Coverage

Select Home Warranty packages its coverage into three tiers: Bronze, Gold, and Platinum. The Bronze Plan only covers appliances, so you’ll need to choose either the Gold or Platinum Plan to receive electrical system coverage. If you need more coverage than any of the premade plans provide, you can select from nine optional add-ons.

• Bronze Care Plan ($52/month): This plan only covers appliances. It offers coverage for your oven, cooktop, refrigerator, garbage disposal, microwave, and clothes washer and dryer.

• Gold Care Plan ($52/month): If you only need systems coverage, the Gold Plan is the plan for you. It protects your electrical, plumbing, and heating systems and also covers central air conditioning, HVAC ductwork, and hot water heaters.

• Platinum Care Plan ($57/month): The Platinum Plan includes everything from the Bronze and Gold plans for only $5 more per month, plus you also get coverage for ceiling fans, plumbing blockages, and garage door openers.

• Optional Add-Ons: You can also add coverage for your pool, spa, well pump, sump pump, septic system, central vacuuming, in-ground sprinkler system, and stand-alone freezers.

• Service Fee: $60

To get a free quote from Select Home Warranty, fill out this form or call 888-370-3953.

You can learn more about the company by reading our Select Home Warranty review.

3. American Home Shield — Best Customizable Plans

If the first two companies don’t offer enough freedom for you, consider going with American Home Shield (AHS) instead since the company offers some of the most highly customizable home warranty plans in the business.

American Home Shield has established itself as a cornerstone of the home warranty space over an impressive 50-year history of serving homeowners across the country. The company boasts outstanding customer reviews and has some of the highest customer satisfaction ratings of any home warranty company. It also maintains a respectable B rating from the BBB, an impressive feat over such a long time of being in operation.

Key Highlights

• More than 30 coverage options between pre-packaged plans and add-ons
• Home warranty coverage starts at just $39.99 per month
• Plan-dependent service fees can save you money if you choose a more comprehensive plan
• Electrical system coverage is available in the most affordable plan

Plans, Cost, and Coverage

American Home Shield has three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. All three plans include electrical system coverage, so which plan you choose depends on what other protection you’re looking for.

• ShieldSilver ($39.99/month): The ShieldSilver Plan covers systems, including your electrical system, heating system, plumbing, and air conditioning. The plan also comes with coverage for HVAC ductwork, hot water heaters, smoke alarms, and garage door openers.

• ShieldGold ($49.99/month): For $10 more per month, the ShieldGold Plan includes everything from the ShieldSilver Plan and offers coverage for major appliances. The plan covers your refrigerator, oven, stovetop, water dispenser, dishwasher, microwave, garbage disposal, washer, and dryer.

• ShieldPlatinum ($64.99/month): The ShieldPlatinum Plan is American Home Shield’s flagship offering. It includes everything from the ShieldGold and ShieldSilver plans but also provides AC unit refrigerant refills, yearly HVAC tune-ups, and — most importantly — lower service fees and higher coverage caps.

• Optional Add-Ons: You can add optional coverage for electronics, computers, televisions, well pumps, septic pumps, pools, and spas to any of the premade plans. The electronics, computer, and TV coverage acts as an extended manufacturer’s warranty.

• Service Fee: $75, $100, or $125, depending on your plan.

If American Home Shield sounds like the right company for you, you can contact the company by calling 888-365-2839 or filling out this contact form. The company is available in 49 states (excluding Alaska).

Check out our comprehensive American Home Shield review to learn more.

4. The Home Service Club — Quickest Service

The Home Service Club has been providing customers with fast, reliable home warranty service for almost 15 years. The company distinguishes itself by having the lowest wait times between signing up for a home warranty and coverage kicking in, making it the best choice if you need coverage ASAP. The Home Service Club also has blazingly fast response times, an important consideration when dealing with possibly dangerous situations like electrical issues.

Key Highlights

• Just a 10-day wait between sign-up and coverage activation
• Low $60 service fees
• Some of the fastest response times in the industry
• 13 optional add-ons to supplement its premade plans

Plans, Cost, and Coverage

The Home Service Club has two main plans: the Standard Coverage Plan and the Comprehensive Coverage Plan. The company also offers several add-ons for extra coverage. If you’re only interested in coverage for your electrical system, the Standard Coverage Plan is what you want.

• Standard Coverage Plan ($53/month): The Standard Coverage Plan covers most home systems, including electric, plumbing, heating, air conditioning, and central vacuuming. It also protects most major appliances, including your refrigerator, oven, stovetop, microwave, garbage disposal, dishwasher, trash compactor, clothes washer/dryer, and ceiling fans.

• Comprehensive Coverage Plan ($63/month): For $10 more per month, the Comprehensive Coverage plan gives you coverage for everything in the Standard Coverage Plan, along with extra coverage for water pumps, housewide fans, sump pumps, plumbing stoppages, pest control services, smoke detectors, water dispensers, spas, and water leaks.

• Optional Add-Ons: The Home Service Club has several customization options, including coverage for sprinkler systems, sewage pumps, built-in refrigerators, water softeners, well pumps, pools, outdoor utility lines, spas, and roof leaks.

• Service Fee: $60, $75, or $90, depending on your plan

Fill out this form to get a free quote from The Home Service Company, or you can call the company directly at 800-842-9334.

For more information about plan options, check out our complete review of The Home Service Club.

5. Liberty Home Guard — Most Trustworthy

Liberty Home Guard has only been in the home warranty business since 2017 but has already made a name for itself. The company offers a towering stack of coverage options, far more than most home warranty companies, and is known for its stellar customer service and reliable coverage. Liberty Home Guard has an outstanding A rating with the BBB and stands behind its work with a 60-day guarantee.

Key Highlights

• Offers a staggering 42 add-on options 
• Get your electrical system covered for as little as $1.50 per day
• Streamlined claims filing process makes it easy to get service when you need it

Plans, Cost, and Coverage

Liberty Home Guard divides its coverage into three separate plans: Appliance Guard, Systems Guard, and Total Home Guard. Electrical systems are only covered under the Systems Guard and Total Home Guard plans. One thing to be aware of is that Liberty Home Guard’s coverage limits are below the industry standard, hovering around $1,500 per item.

• Appliance Guard ($64.99/month): As you might be able to guess from the name, the Appliance Guard plan only covers major appliances. It protects your refrigerator, oven, range fan, microwave, dishwasher, ceiling fan, ice maker, garage door opener, washer, and dryer.

• Systems Guard ($69.99/month): This is the right plan if you’re looking for electrical system coverage. It covers most major home systems, including your electrical, plumbing, heating, and air conditioning systems. It also covers HVAC ductwork, toilets, water heaters, and bathroom fans.

• Total Home Guard ($74.99/month): The Total Home Guard plan covers everything in the Appliance and Systems Guard plans, making it a great choice for homeowners who want the most peace of mind.

• Optional Add-Ons: One of the most impressive aspects of Liberty Home Guard is the number of optional add-ons the company offers. The optional additions include pest control, saltwater pools, pools and spas, additional spas, floor or carpet cleaning, gutter cleaning, fixtures, sump pumps, ejector pumps, lawn sprinkler systems, water softeners, swamp coolers, trash compactors, electronics, septic systems, roof leaks, rekeys, central vacuum systems, ice makers, stand-alone freezers, wine fridges, second refrigerators, TVs and PCs, generators, well pumps, and water dispensers.

• Service Fee: $75

To contact Liberty Home Guard, you can fill out this online contact form or call directly at 866-451-2281.

To learn more about the company’s coverage options, be sure to read our Liberty Home Guard review.

What is a Home Warranty for Electrical Systems?

A home warranty plan for electrical systems covers damage to your home’s electrical components that aren’t covered in your homeowner’s insurance. Many people don’t realize that a home warranty covers home repairs and replacements for their electrical infrastructure, and even homeowners who have a home warranty often don’t know exactly what it covers. Coverage varies somewhat depending on your home warranty provider, but most home warranties cover your home’s wiring, switches, circuit breakers, and panels.

Having a home warranty that covers your electrical system is a good idea since electrical repairs are often more expensive than appliance repairs. Electrical work requires hiring experienced, certified electricians who know how to assess and repair your electrical system safely. Paying for such expertise isn’t cheap and can easily run you hundreds or even thousands of dollars without a home warranty.

Once you have coverage, any minor issues with your electrical components that aren’t severe enough to be covered by your homeowners insurance can often be covered by your home warranty. Plus, the majority of the home warranty plans that cover electrical systems also cover other home systems. As such, you might also be able to get complete protection for issues related to your electrical system, like plumbing leaks that cause shorts or faulty wiring that leads to non-functioning outlets and switches.

Who Needs a Home Warranty for Electrical Systems?

Every homeowner can benefit from having an electrical system home warranty, but some people stand to benefit more than others. If you live in an older home, for example, chances are the electrical system is the original one that was put in when the house was built. Wiring and switches don’t last forever, and when they start to go, they have a way of causing an expensive domino effect of repairs, sometimes necessitating a full system replacement.

Faulty wiring is a fire hazard and can cause damage to appliances, leading to more repairs and more expenses. Having a home warranty makes it easy to get a reputable electrician to come take a look, ensuring that your electrical system is in good shape and won’t cause you headaches down the road. As such, a home warranty that covers the electrical system is beneficial to any homeowner.

Additionally, many new home buyers think they don’t need a home protection warranty, but buying a home warranty plan early on is usually a good investment. Even if you live in a newer home, having a home warranty that covers your electrical system is the best way to make sure it gets the maintenance it needs to keep your house operating smoothly for years to come. Many people neglect to get the service done that they need because of how expensive electrical work can be, but a home warranty makes budgeting for routine repairs far more palatable.

Another group of people who can benefit from a home warranty is people considering selling their homes. A home with a warranty is more attractive to potential buyers, and many real estate companies suggest purchasing a home warranty to help speed up the process and bring more interest to a property. Additionally, home warranties can protect your electrical system and other components in your home from unexpected damages leading up to closing. There are few things more frustrating than having to push back closing because of a buyer-required repair, and a home warranty can help avoid exactly that.

Finally, landlords will benefit immensely from securing a home warranty, as these policies can help get service quickly, helping to keep your tenants safe and happy. Landlords can also mitigate ongoing maintenance costs by taking advantage of home warranties, especially if they manage multiple properties, which can lead to very expensive monthly repairs without a warranty in place.

What does an Electrical Systems Home Warranty Cover?

Not all home warranties will cover the same parts of your electrical system, so be sure to contact the company before you commit to a contract. Make sure you understand what parts of your electrical system are covered, and don’t forget to ask about coverage limits if they aren’t listed clearly on the company’s website.

In general, most electrical system home warranties cover repairs and replacements for the following components:

• Wiring
• Switch boxes
• Ceiling and exhaust fans (although these are sometimes separate)
• Panels
• Sub panels
• Circuit breakers

Sometimes companies will also cover electrical components of your home’s major appliances, like electric motors, fans, and vents, although this varies.

If you have more specialized electrical equipment, such as outdoor outlets for a pool filter or an external shed with power, make sure to ask about these systems explicitly since they may not be covered under the standard electrical system warranty. In general, any electrical components located outside of your main living space may not be covered under a standard policy and could require additional coverage, that is, if the company offers any coverage at all. Don’t forget to inquire about these possible exclusions before you commit to a plan.

Some people are disappointed to learn that an electrical problem is not covered under the terms of their home warranty service contract, often because the electrical issue they have is a result of negligence on their part. The terms of most home warranties explicitly state that coverage is contingent on the policyholder conducting routine maintenance.

Virtually all home warranties also don’t cover damage to the electrical system from natural disasters, accidents, lightning strikes, and power surges and power failures. These problems are relegated to your homeowner’s insurance policy.

The bottom line is that home warranties are for normal wear and tear damage from ordinary use; they’re not meant to cover external factors.

How Much Does an Electrical Systems Home Warranty Cost?

An electrical system home warranty typically costs between $40 and $60 per month. Most home warranty companies don’t offer standalone electrical warranties, so the total price you pay is mostly driven by what else is included in your plan.

It’s usually the most cost-effective to purchase a company’s top-level plan since it gives you the most coverage per dollar and often comes with other bonuses like lower service fees. However, you can usually save money by purchasing the cheapest plan that includes electrical systems, although you’re leaving yourself open to other unexpected costs.

Services are often overlooked by people shopping for a home warranty, but they play an important role in determining the long-term practical cost of your plan. More expensive plans sometimes come with lower service charges, but the industry average is around $80 per service visit.

How Does a Home Warranty for Electrical Systems Work?

Many people think home warranties are complicated, but once you have a policy, filing a claim and receiving service is straightforward.

Purchase a Plan

The first step is purchasing a plan. Keep in mind that your coverage won’t start until 30 to 90 days after you sign the contract in most cases, so it’s best to establish a plan well before you need it. If you need coverage ASAP, consider choosing a company that offers expedited coverage, like The Home Service Club. It’s important to realize that many plans don’t cover pre-existing conditions, so keep this in mind when choosing coverage as well.

Watch for Electrical Issues

Once your coverage begins, keep an eye out for any signs of electrical issues throughout your home. These could be small things like flickering lights or larger issues like frequent trips of your circuit breaker.

Contact Service Provider

When you run into an issue that’s covered by your electrical system home warranty, you need to file a claim with your warranty service provider. This is usually easiest to do online, but many companies still allow you to file a claim over the phone if you prefer. Some of the more modern companies have phone apps that let you file a claim quickly and easily.

Pay the Service Fee

Your home warranty provider will arrange for a skilled technician to assess your problem and administer whatever service or replacement is needed. As long as the work being done doesn’t cost more than the coverage limits, all you’re responsible for is the service call fee set by your warranty provider, which averages around $85. This is where you really feel the savings and what makes home warranties worth it for most homeowners.

Be Aware of Coverage Caps

It is vital that you know what your plan’s coverage caps are, especially since electrical work tends to be more expensive than other services. Coverage caps act as reverse deductibles, limiting how much money the warranty company will pay before you have to pay out of pocket. If any repair or replacement related to your electrical system totals more than your service contract’s coverage cap, you’ll be responsible for the difference.

Some plans also have total annual limits in addition to per-item caps. For example, a per-item cap of $1,000 for your electrical system means that your provider will pay no more than that for any repairs or replacements needed within the year. A total annual limit of $5,000 means that if any other items that need replacement or repair total more than $5,000 — even if they had nothing to do with your electrical components — then your provider will no longer issue coverage that year for your electrical system.

Being aware of all of the coverage limits and exclusions is crucial if you want to avoid unexpected fees associated with the service calls you make.

Final Thoughts

Home warranties that cover electrical systems are excellent for protecting yourself from exorbitant repair bills. Reputable electricians don’t come cheap, and replacing your home’s electrical infrastructure can take a substantial chunk out of your emergency savings if you have to pay for it yourself. A solid home warranty makes it easy to get the necessary work done without breaking the bank, so you can sleep easy at night knowing your electrical system will continue to work safely.

Choice Home Warranty offers the best home warranty for electrical systems and is our number one pick. The company offers affordable plans that don’t skimp on coverage and come with high limits and low service fees. The company also has an outstanding reputation for providing top-notch customer service and has excellent reviews.

If you’re looking for a company with plans even more affordable than Choice Home Warranty, Select Home Warranty has what you need. The company offers solid coverage with reasonable limits for outrageously low prices. It also has some of the lowest service fees in the home warranty industry, making it a great option if you anticipate needing many service visits.

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.