People are often skeptical of home warranties, and rightly so — there are some shady companies out there that don’t have your best interests in mind and are just looking to make a quick buck. That said, a trustworthy provider and strong home warranty plan can potentially save you thousands of dollars on catastrophic furnace breakdowns.
Since furnaces are critical in the cold winter months, I researched dozens of home warranty providers available in the U.S. I analyzed their furnace coverage, scrutinized exclusions closely, and made sure key parts like heat exchangers, blower motors, and control boards were included in the protection. Also, I found plans and providers with large enough coverage caps to replace your furnace if it fails beyond repair. Gaps here can leave you paying thousands out-of-pocket.
After my thorough research, secret shopping, and customer review analysis, I used Today’s Homeowner’s specific rating criteria around coverage limits, reputation, claims process, and more to narrow down the best home warranty companies for furnace protection.
Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.
Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.
We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.
Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.
Read our full Home Warranty Review Methodology for more details.
Top 5 Home Warranty Companies for Furnaces
- Liberty Home Guard is my top recommendation if you want robust HVAC coverage. Liberty has customized plans that cover all the equipment related to your furnace and unique benefits like annual HVAC tune-ups. This flexibility ensures more complete protection for high-end heating systems.
- When it comes to protecting your furnace, I recommend American Home Shield (AHS) as a top choice. With frigid winters in many parts of the country, a broken furnace can quickly become an emergency. AHS responds to most furnace claims the same day — faster than any other major provider. This rapid response time is critical to getting your heat back on and avoiding frozen pipes. For older furnaces, AHS also covers unknown preexisting conditions. This is invaluable protection, as an aging furnace often has hidden wear and tear that voids standard policies.
- If you have a large home or an expensive furnace, Elite Home Warranty is a great choice due to its high $10,000 coverage cap — the highest of any provider. If you need a full furnace replacement, most homeowners won’t have to pay anything out of pocket for a new one (besides the monthly premium and service call fee).
My Expert Recommendation
For the best coverage for your furnace, I recommend Liberty Home Guard. You can customize your plan to get higher dollar limits and extra benefits like yearly HVAC tune-ups, which are critical in preventing breakdowns. Tune-ups reduce the chance your heating system has more expensive failures down the road. Its flexibility helps make sure high-end systems are covered.
For fast repairs, look at American Home Shield (AHS). If your furnace fails, AHS can usually get your heat working again within 24 hours. After having my furnace fail on the coldest day of 2022 (Christmas Eve), I know just how crucial quick repairs are. Delays can lead to more significant issues like pipes freezing or worse. AHS also covers preexisting issues that most other providers do not.
When picking coverage, check what’s excluded closely. Make sure key parts of your furnace are covered — the heat exchanger, gas valve, blower motor, and control board. Also, make sure the provider’s coverage limits are enough to replace your furnace if it is not repairable. Both Liberty and AHS give you protection for most furnace parts and issues, but for the highest coverage limits of $10,000, Elite Home Warranty is a great choice.
This guide focuses on recommendations for the top home warranty providers for furnaces. However, if you live in a state with mild winters and a warmer overall climate, your home may have an air-source heat pump. A heat pump is essentially an air conditioner and heater combo unit (it heats in the winter and cools in the summer). All five providers in this guide offer protection for your home’s “heating system,” whether it is an air-source heat pump or a furnace.
Home Warranty Companies for Furnaces I Didn’t Include
INSERI did not include Choice Home Warranty (CHW) because of an open consumer fraud lawsuit filed by the Arizona Attorney General. While the case remains unsettled, the concerning allegations prevent me from endorsing Choice. Details of the lawsuit allege Choice engaged in deceptive sales and advertising, misrepresenting plan terms and coverage. Choice also reportedly denies claims without cause and lacks avenues for meaningful appeals. Until the case concludes and I can fully review the findings, I caution homeowners to take this into account when considering Choice’s plans. If CHW is cleared of any wrongdoing, I look forward to updating my recommendations about this provider.
Compare The Highest Rated Home Warranties for Furnaces
| Company | Rating | Monthly Cost | Service Fee | Response Time | BBB Rating | Link |
|---|---|---|---|---|---|---|
 |
$50-$60 |
$75 |
12-48 hrs. |
NR |
VISIT SITE | |
 |
$35–$75 |
$100–$125 |
24-72 hrs |
B |
VISIT SITE | |
 |
$44.99-$58.99 |
$70 |
48 hours |
A+ |
VISIT SITE | |
 |
$46–$55 |
$85 |
24-48 hrs. |
B |
VISIT SITE | |
 |
$52–$58 |
$60 |
24-48 hrs. |
B |
VISIT SITE | |
 |
$38–$62 |
$75–$125 |
48 hours |
B |
VISIT SITE | |
 |
$38–$48 |
$75–$125 |
48 hours |
B |
VISIT SITE | |
 |
$17–$60+ |
$65–$100 |
2–24 hrs |
A- |
VISIT SITE | |
 |
$28–$68 |
$100–$150 |
2–24 hrs |
B |
VISIT SITE |
Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.
Our Reviews of the Best Home Warranties for Furnaces
Liberty Home Guard
4.6
Our Rating
I like Liberty Home Guard’s all-encompassing furnace protection. With its Systems Guard and Total Home Guard plans, you get comprehensive coverage for all parts and components of your home’s heating system. This includes the reversing valves, circulating pumps, heat exchangers, and blower motors — anything that makes up your furnace.
I also appreciate that all LHG plans include 60-day workmanship guarantees on completed repairs, exceeding the industry standard 30-day window. With double the coverage duration, you can rest assured any issues from faulty workmanship will be addressed for no extra charges. Liberty also has best-in-class customer service ratings, which gives me confidence it can expertly handle all furnace-related claims.
I don’t like Liberty Home Guard’s maximum coverage cap of only $2,000. With this, its plans pay out significantly less for furnace repairs and replacements compared to other major home warranty companies. Providers like Elite Home Warranty offer upwards of $10,000 in protection for furnaces — quadruple Liberty’s limit. This reduced coverage could leave you paying large out-of-pocket costs for higher-end or larger heating systems.
I’m also not a fan of Liberty’s non-negotiable service fees and a $50 cancellation penalty if you terminate your contract after the first 30 days. Preexisting furnace defects are excluded as well — meaning you could face a claim denial if your furnace fails due to a hidden condition existing before you signed your contract.
As a relatively new home warranty provider founded in 2017, Liberty stands out to me for its robust furnace protection paired with flexible customization and positive reviews across Trustpilot, Yelp, and Google. Its Systems Guard and Total Home Guard plans cover all components and parts of your home heating system, including the furnace itself. Coverage also extends to associated parts like gas valves and blower motors, which are critical for proper operation. Liberty provides up to $2,000 in repair and replacement coverage for furnaces. While lower than competitors, this limit sufficiently covers most standard heating systems.
I’m also impressed by Liberty’s 60-day workmanship guarantee on repairs — doubling the industry standard. This allows cost-free fixes for any issues that pop back up after the initial repair. Given that some furnace breakdowns happen during cold winter months and aren’t diagnosed properly the first time, this guarantee provides useful peace of mind. With over 40 specialty coverage add-ons available, Liberty allows homeowners to add custom coverage for their homes. This degree of customization is rare among leading home warranty providers; most providers offer just 6–12. Liberty’s affordable pricing, starting around $50 per month, is another reason I rate it a superb 9.3 out of 10.
For Liberty Home Guard’s comprehensive coverage plus robust customization, I give Liberty top marks of 10/10 for protecting home heating systems. Its Systems Guard and Total Home Guard plans start at $54.99 monthly and cover common furnace components like heat exchangers, burners, blower motors, temperature sensors, and more. Coverage even extends to associated parts such as modulating gas valves, dampers, and more. Note: the Appliance Guard plan does not cover furnaces and other home systems.
For furnace repairs and replacements, Liberty provides coverage limits up to $2,000 — enough for most standard systems. However, for some larger homes with higher-end furnaces, this coverage limit likely will not be enough to cover the full replacement cost of a new furnace. That said, only paying a part of the cost of a brand-new furnace is better than paying the full price. Still, there are other providers like American Home Shield and Elite Home Warranty with much higher caps to give you better financial protection.
I’m impressed by Liberty’s 60-day workmanship guarantee on repairs, doubling the industry’s 30-day standard. This extra protection means you get free follow-up fixes should any early issues reoccur. And with over 40 add-ons available, Liberty enables customizing coverage to the exact needs of your home.
| Plan | Monthly Cost | Service Fee | Available Discounts |
| Appliance Guard | $49.99 | $65 – $125 | 2 months free, $225 off coupon |
| Systems Guard | $54.99 | $65 – $125 | 2 months free, $225 off coupon |
| Total Home Guard | $59.99 | $65 – $125 | 2 months free, $225 off coupon |
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Granger, IN. The cost data presented was accurate at the time of writing.
Available Add-Ons
Liberty Home Guard offers over 40 optional add-ons to its plans. Homeowners seeking the best furnace coverage can also safeguard these less common systems and appliances. I personally find the generator coverage appealing — I have a whole-house generator, and I know that it can be expensive to repair and replace. With the affordable premium, I can potentially save thousands of dollars if it fails beyond repair.
- Carpet cleaning: $19.99/month
- Casita guest unit: $35.99/month
- Central vacuum: $8.99/month
- Ejector pump: $14.99/month
- Electronics protection: $19.99/month
- Freestanding ice maker: $14.99/month
- Generator: $19.99/month
- Grinder pump: $14.99/month
- Gutter cleaning: $14.99/month
- Ice maker (in-fridge): $3.99/month
- Instant hot water dispenser: $9.99/month
- Lawn sprinkler system: $9.99/month
- Lighting fixtures: $7.99/month
- Limited roof leak: $11.99/month
- Pest control: $14.99/month
- Plumbing fixtures: $7.99/month
- Pool and spa: $19.99/month
- Additional spa: $9.99/month
- Power washing (exterior flooring): $19.99/month
- Pro-series clothes dryer: $4.99/month
- Pro-series dishwasher: $7.99/month
- Pro-series microwave: $4.99/month
- Pro-series range/oven/cooktop: $12.99/month
- Pro-series refrigerator: $14.99/month
- Pro-series standalone freezer: $14.99/month
- Pro-series washing machine: $4.99/month
- Re-key: $9.99/month
- Reverse osmosis water filter system: $14.99/month
- Saltwater pool: $23.99/month
- Second refrigerator: $7.99/month
- Septic system pumping: $12.99/month
- Sump pump: $8.99/month
- Swamp cooler: $14.99/month
- Trash compactor: $7.49/month
- TV mounting (up to 65-inch TVs): $14.99/month
- TV mounting (up to 85-inch TVs): $19.99/month
- Water dispenser water line: $4.99/month
- Water softener: $13.99/month
- Well pump: $12.99/month
- Window washing/cleaning: $19.99/month
- Wine cooler/fridge: $11.99/month
Exclusions
Liberty Home Guard has the following exclusions from its plans — which are on par with other providers:
- Cosmetic defects
- Cranes or other specialty vehicles required to install, remove, or access your appliances or home systems
- Disposal of appliances, systems, or components
- Electronics, computerized, “smart,” or Internet/enabled components and parts
- Filters associated with any covered items
- Fire sprinkler systems
- Flues, vents, chimneys, and exhaust lines
- Glass parts
- Lighting
- Noise
- Radon and other leak detection monitoring systems
- Remote receiving and transmitting devices
- Solar systems and applications
Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
I give Liberty Home Guard a strong 8.9/10 for affordability-protecting home furnaces. Its plans with systems coverage start at $54.99 monthly — equaling industry averages. However, Liberty does carry some key coverage limitations to note.
While covering common furnace components, Liberty caps repair and replacement payouts at $2,000 per furnace. This limit falls below providers like American Home Shield and Elite Home Warranty, which offer upwards of $6,000 and $10,000, respectively. Liberty also bases payouts on an item’s depreciated “book value” rather than full replacement cost. So, if your furnace cost $2,000 when it was new, LHG may only value it at $1,500 a few years later (and will only provide you this amount for a replacement).
When filing claims, you’ll pay non-negotiable service fees ranging from $65-$125, higher than the $75 industry norm. Additionally, Liberty’s many add-ons covering specialized systems like generators, sump pumps, pools, and more run steep at over $14.99 monthly. Most competitor add-ons cost $6-$13. Still, for homes with standard furnaces, Liberty provides adequate protection at a fair price.
I give Liberty Home Guard a 7.8/10 rating for its customer experience, as its user-friendly website allows you to easily customize coverage and compare plan options for your specific home. For furnaces, you can choose between its Systems Guard and Total Home Guard plans (the difference is that the latter also covers appliances for a slight upcharge). Once you sign up, Liberty also provides multiple convenient contact methods, including chat, phone, and email support.
Liberty’s 30-day waiting period before you can access coverage and submit any claims is shorter than the industry average of 60 days. I also appreciate how Liberty backs repairs with a 60-day workmanship guarantee — a rare reassurance that any issues from faulty workmanship will be promptly fixed without paying extra service call fees.
Liberty Home Guard makes enrollment smooth for Louisiana homeowners. The website and online quoting were easy to navigate, and it was simple to customize coverage and compare plans when I did my secret shopping. Once you’re enrolled, Liberty offers quick customer support through chat, phone, and email. It also starts coverage faster than competitors — in 30 days rather than the typical 60 days. Liberty’s repair guarantee gives assurance that any work will be done right. However, some online reviews note a slow response time when you file a claim, and others cite difficulty reaching a supervisor when they need to escalate an issue, so I think a 7.8/10 rating is fair for this provider. Still, for a streamlined experience from quote to repair, Liberty delivers transparent pricing, good accessibility, fast coverage start, and service guarantees.
I give Liberty Home Guard a glowing 9.1/10 rating for exceptional customer service protecting home furnaces. No competitor maintains such consistently positive feedback across thousands of reviews. For reliable furnace coverage, Liberty is my top recommendation.
The overwhelming positive praise on Google and Trustpilot spotlights Liberty’s standout assistance — from representatives going above and beyond to smooth claims resolution. Negative reviews are few and far between — I had to look deep for them, and the ones I found were not concerning.
Its online reputation shows that Liberty prioritizes supporting employees to deliver responsive care. The company’s stellar standing is further backed by praise from workers on Glassdoor. When employees are happy, they tend to provide a better service and customer experience overall.
With older furnaces prone to breaking down, Liberty’s commitment to timely, thoughtful assistance provides me with peace of mind. The chilly winter months, when most issues arise, make it critical your provider can promptly dispatch skilled technicians to get your heat back on.
| Rating Site | Rating | Number of Reviews |
| BBB | NR* | Customer Reviews are not used in the calculation of BBB Rating |
| Trustpilot | 4.7 | 2,452 |
| 4.7 | 10,153 | |
| Yelp | 1.5 | 57 |
*Under review due to recent complaints as of Feb 2024. Previously an “A+” rating.
Editor’s Note: The ratings provided were accurate at the time of writing.
Note (as of 3/7/24): The Better Business Bureau changed Liberty Home Guard’s A+ rating to “Not Rated.” I contacted the BBB and was told, “This business is not currently rated. BBB has recently received numerous complaints against this business and will issue a rating after it has fully evaluated them.” When asked if they revoke ratings after more complaints, the BBB said it does this to assess the complaints before reissuing an accurate rating. This scenario has happened to Liberty twice in two years, but each time, the A+ was restored after a thorough review.
I give Liberty Home Guard a stellar 10/10 score for its swift claims process and resolution. With average 12-hour response times plus invaluable emergency repair options, Liberty shines by protecting homes during heating emergencies. Once you get past Liberty’s 30-60-day waiting period before coverage starts, most standard claims fly through approval within 48 hours. Its rapid response prevents your home from freezing and prevents huge utility bills from a dysfunctional heating system. With homes relying on furnaces functioning properly through cold months, Liberty’s fast repairs and easy claims process provide me with true peace of mind. No competitor matches the combination of expedited emergency service, fast approval times, and glowing homeowner feedback.
Liberty Home Guard’s home warranty plans are available in all 50 U.S. states, earning a perfect 10/10 rating. No matter where you live in the country, you can expect a strong network of local HVAC contractors ready to fix any issues with your furnace.
American Home Shield
4.3
Our Rating
I like that American Home Shield has over 50 years of perfecting partnerships, allowing it to provide specialized assistance protecting home furnaces. Its expansive HVAC contractor network enables tapping qualified technicians for unique furnace repair needs. For example, not all HVAC contractor businesses are experts on all brands. Most contractors specialize in repairs of the furnace brands they sell, like Trane, Carrier, Rheem, etc. With AHS, you can be sure they have a local contractor that specializes in your furnace brand for faster and higher-quality repairs.
I also like AHS’ higher-than-average coverage limits of up to $5,000 for systems like furnaces. Compared to Liberty’s caps of $2,000, AHS’ limit gives you much more financial security if your furnace fails. American Home Shield also impresses me by covering preexisting conditions, rust, and corrosion that void most warranties. Additionally, customizable fees allow matching service charges to your budget.
American Home Shield’s decades in business raised my expectations for customer feedback. Therefore, its overflowing negative reviews on the BBB and sub-2-star ratings on sites like Trustpilot disappoint me. Negative reviews cite transparency gaps around rate increases and an overstrained contractor network causing delays. Short 30-day workmanship guarantees also disappoint me, given the complexity of heating systems. I know firsthand how often homes need repeat visits for furnace repairs of the same issue. However, dissatisfied customers voice opinions more readily in online reviews than satisfied ones. As a long-term industry player, AHS has seen more reviews accumulate over its 50-year history than its competitors.
With over 50 years leading the home warranty industry, I give American Home Shield (AHS) a strong 8.6/10 rating for protecting home furnaces. It outpaces rivals with higher $5,000 coverage limits compared to the lower $2,000–$3,000 limits from providers like Liberty Home Guard. And its expansive contractor network provides broad, reputable support for covering furnace repairs.
What I particularly like about AHS is that it covers undetectable preexisting furnace issues and rust/corrosion. Most competitors exclude these from their plans, which increases AHS’s plan value, in my opinion. However, despite its nationwide contractor partnerships, some reviewers faced extreme repair delays. However, with its tens of thousands of contractors across the U.S., some bad apples are bound to pop up. I am also not a fan of its 30-day workmanship guarantee — it trails its many rivals.
AHS’s systems plan covers fewer items than competitors, too. So, you may need to add pricier upgrades for comprehensive protection. With those upgrades, AHS still beats the competition in item coverage at moderate premium hikes. Therefore, while American Home Shield is not perfect, its generous payout ceilings and preexisting defect coverage makes it a strong option for shielding high-end heating equipment from unpredictable breakdowns.
I give American Home Shield (AHS) a great 9/10 rating for protecting home furnaces with its uniquely comprehensive plans. Its premier ShieldPlatinum plan has rare benefits like roof leak patching, which is critical for preventing water damage if your roof has leaks. This top-tier plan also bundles free HVAC tune-ups, which are great for combatting winter furnace breakdowns.
All AHS policies cover old equipment, preexisting conditions, and improperly installed systems – things most competitors exclude. This extensive protection brings essential peace of mind for aging furnaces prone to issues and breakdowns. While AHS’s $100-$125 service fees trend above the $75 industry average, they’re offset by lower monthly premiums. Homeowners can tailor plans to match their budget and furnace.
For example, I have a furnace that is less than two years old. So, I would personally choose the higher service call fee and lower monthly premium cost because I don’t expect a lot of service calls. However, if I had an aging furnace, I would choose the lower service fee and higher monthly premium cost.
| Plan | Monthly Cost | Service Fee* | Available Discounts |
| ShieldSilver | $29.99 – $39.99 | $100 –$125 | Same-day discount |
| ShieldGold | $49.99 – $59.99 | $100 –$125 | Same-day discount |
| ShieldPlatinum | $79.99 – $89.99 | $100 – $125 | Same-day discount |
*If you choose the lower service fee of $100, you pay the higher monthly premium. For example, the $79.99 rate for the ShieldPlatinum plan pairs with the $125 service fee.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Granger, IN. The cost data presented was accurate at the time of writing.
Available Add-Ons
American Home Shield has the following optional add-ons for homeowners. As someone who owns many higher-end electronics, I appreciate the option to protect them with a low monthly premium.
- Electronics protection plan: $14/month
- Guest unit: $15.99/month
- Pool & built-in-spa equipment: $18/month
- Roof leak repair: $10/month
- Septic pump: $5/month
- Well pump: $8/month
Exclusions
AHS has the following exclusions to its plans, which are standard among providers.
- Damage due to pets or pests
- Failure to properly clean or maintain home systems or appliances
- Foundation or structural damage
- Improper installation, improper wiring, or damage caused by construction activity
- Manufacturer’s defect
- Misuse or human error
- Natural disasters
- Neglect, rust, corrosion, or sediment
- Removal of hazardous material
Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
I give American Home Shield an 8.7/10 rating for its coverage affordability. Yes, its $100-$125 service charges and monthly premiums exceed some competitors; however, you receive a higher degree of protection in return. While competitors like Liberty cap system payouts around $2,000, AHS Systems ShieldSilver and ShieldPlatinum plans extend system coverage to $5,000, and it also provides up to $1,000 in coverage for any ductwork-related issues. And with cold weather in many states adding more wear and tear to furnaces, AHS’ expanded ceilings provide genuine peace of mind that you won’t be surprised with high out-of-pocket repair bills.
Consider weighing monthly fees against potential replacement costs without coverage. High-efficiency and large furnaces can easily exceed $5,000 installed. While not the most budget-friendly, AHS’s higher payouts likely justify its higher costs for many homeowners who want to hedge against unpredictable breakdown expenses. If you do sign up with American Home Shield, look for discounts online and ask about them over the phone. When I was secret shopping, I was offered a 20% discount if I booked coverage the same day I got my quote.
I give American Home Shield an 8.4/10 rating for furnace customer experience as abundant reviews cite unreturned calls and messages — worrying to me for such a prominent provider. As an enduring industry leader, I expected better communication.
AHS provides homeowners with multiple contact methods through account managers. If one agent doesn’t reply quickly enough, you can take advantage of another method to escalate response time. However, some reviews still spotlight miscommunications where customers never received responses — understandably frustrating, especially if you’re in the middle of winter with a broken-down furnace.
On the positive side, AHS’s website provides straightforward quote comparisons when choosing plans. When I got a quote, it took me less than a few minutes to see pricing, coverage terms, and optional add-ons. Plus, its 30-day waiting period before securing coverage beats the over 60-day industry standard, providing access to protection for your furnace and other appliances sooner.
I give American Home Shield a lower 7.7/10 score for its reputation due to too many complaints involving late technicians, denied claims, and no callbacks — this worries me for a 50+ year industry player. However, the negative reviews I analyzed often come from customers misunderstanding coverage limits– so make sure you read and understand the contract before you sign up.
On a positive note, once you submit a claim, you can conveniently track the repair status through an online dashboard. This oversight brings useful visibility. After reading reviews closely, even critical feedback highlights strong protection when the repair and claims process goes smoothly. Plus, AHS replying to every Trustpilot complaint shows goodwill toward customer satisfaction. It also has 24/7 online and phone claims support for heating and other emergencies — a pivotal asset for urgent winter breakdowns.
| Rating Site | Rating | Number of Reviews |
| BBB | B | Customer Reviews are not used in the calculation of BBB Rating |
| Trustpilot | 2.1 | 5,178 |
| 2.8 | 2,379 | |
| Yelp | 1.0 | 826 |
Editor’s Note: The ratings provided were accurate at the time of writing.
American Home Shield gets a strong 8.4/10 rating for its claims process because of its 24/7 customer service and around-the-clock filing. This availability helps bring some peace of mind against heating failures, which can happen anytime.
Having reliable help on call proves critical for winter no-heat emergencies needing a swift response. After homeowners submit a claim, they can conveniently check the repair status and history online through their account dashboard. While this user-friendly claims process matches industry norms, the 24/7 availability keeps you connected whenever furnace issues arise. That constant access gives me confidence that problems get promptly reported and addressed.
AHS is available in 49/50 U.S. states, excluding Alaska. With its near-nationwide coverage, it has an expansive contractor network skilled at repairing furnaces and other issues in your home.
Select Home Warranty
4.2
Our Rating
I appreciate Select Home Warranty’s affordable monthly premiums, which are lower than those of many providers. Homeowners can access vital safeguards without excessive charges. SHW also provides decent $3,000 caps on HVAC repairs specifically — ample for most standard furnace repairs and replacements.
I also like that SHW has reasonable service call fees of only $85, making each claim affordable. Plus, its 90-day repair guarantee exceeds the industry standards, allowing free fixes for any early repeating issues. Given furnaces see heavy use in frigid months, this provides useful reassurance that SHW will get your furnace back up and running without extra fees.
The main drawback related to furnaces I found is Select Home Warranty’s $500 coverage cap on plumbing, electrical, and most appliances. While you receive $3,000 for HVAC repairs, other critical systems earn just fractional protection. This imbalance leaves homeowners exposed to expenses to repair essential items like refrigerators, washers/dryers, dishwashers, and more.
I also don’t like that Select Home Warranty only offers nine optional add-ons. Homeowners may feel unable to tailor plans to match all their needs. Another limitation is Select’s exclusion of preexisting defects — creating a risk for those with undiscovered existing issues. I advise thoroughly inspecting your furnace to confirm functionality before you sign up.
I give Select Home Warranty strong marks of 8.4/10 overall for straightforward furnace protection. Its clear Bronze and Platinum tiers simplify shopping versus competitors’ confusing plan options. Its Bronze plan only covers home systems (including furnaces), and its Platinum Care plan covers systems and appliances. Select also offers an appliance-only plan (Gold Care, which lacks furnace coverage). Its monthly premiums are cost-effective and some of the lowest in the industry. Perfect for homeowners on tighter budgets.
Positively, Select bundles ductwork coverage — essential for routing heat from furnaces to the rooms of your home. Also, its $3,000 HVAC coverage maximum beats some other providers like Liberty Home Guard, which covers up to $2,000. However, some competitors, like Elite Home Warranty, have coverage caps of $10,000 for systems. Owners of high-end furnaces may not have enough protection to fully replace a failed furnace with Select’s limits.
For standard or moderately priced furnaces, Select’s baseline inclusions bring useful financial security without high monthly bills. I also like its 90-day workmanship guarantee, suggesting strong contractor partnerships for quality service.
With simplified choices, discounted pricing, ductwork protection, and decent caps for typical furnaces, Select empowers homeowners seeking straightforward plans to protect them from unpredictable breakdown costs. Those with larger or premium heating systems should seek coverage elsewhere.
I give Select Home Warranty strong marks of 8.3/10 for simplifying its plan options. It offers dedicated systems (Bronze Care) and combined (Platinum Care) plans that protect furnaces, allowing homeowners to choose the exact coverage they need — unlike competitors sprinkling protections confusingly across tiers. Select also offers an appliance-only plan (Gold Care without furnace protection).
Positively, Select’s Platinum Care plan delivers discounted appliance and system coverage in one streamlined package — which I recommend to practically all homeowners. At only $4 more monthly, Platinum fills major gaps left by Select’s Bronze and Gold options.
Plus, during my secret shopping, I found that Select regularly advertises savings like two free months and $150 off a yearly pre-payment. This transparency and value focus makes Select a straightforward choice for homeowners seeking customized furnace protection on a budget. No competitor provides such up-front savings and affordability.
| Plan | Monthly Cost | Service Fee | Available Discounts |
| Bronze Care | $44.42 | $75 | $150 Off (website), two extra months free |
| Gold Care | $44.42 | $75 | $150 Off (website), two extra months free |
| Platinum Care | $47.75 | $75 | $150 Off (website), two extra months free |
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Granger, IN. The cost data presented was accurate at the time of writing.
Available Add-Ons
Select Home Warranty offers nine optional add-ons to its plans. While this is less than the likes of Liberty Home Guard and Elite Home Warranty’s offerings, you can cover expensive systems like pools, septic, and well pumps with very affordable monthly premiums.
- Central Vacuum: $3.33/month
- Lawn Sprinkler System: $5.83/month
- Pool: $8.33/month
- Roof Leak: free
- Septic System: $5.83/month
- Spa: $5.83/month
- Standalone Freezer: $3.33/month
- Sump Pump: $3.33/month
- Well Pump: $3.33/month
Exclusions
Select Home Warranty has the below exclusions for its plans. None of which is out of the ordinary in the industry.
- Common areas in condominiums or multifamily homes
- Damage from natural disasters and rust
- Defects or damages caused by the foundation and structure of the home
- Incorrect installation or malfunctions due to construction damage or improper wiring
- Issues with systems or appliances related to hazardous or toxic materials such as mold, asbestos, and gas leaks
- Secondary damage (i.e., your home warranty may cover roof damage but won’t cover water damage caused by a roof leak)
- Solar heating systems
Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
I give Select Home Warranty a glowing 9.1/10 rating for budget-friendly furnace protection. Its highly affordable premiums average just $40 monthly — including discounts. This competitive edge beats the $50+ monthly industry norm across all Bronze, Gold, and Platinum tiers.
Select Home Warranty maintains its low pricing, whether you choose coverage for appliances, systems, or both, unlike competitors, which have steep upcharges. Its $85 service fees are also about average compared to competitors when issues arise. Homeowners not only save money up-front on Select’s reduced premiums, but they also avoid high repair visit fees down the road — critical for unpredictable furnace breakdowns.
I give Select Home Warranty decent marks of 8.1/10 for customer experience. During my secret shopping, I found its website and online quote system really simple and easy to use. I like that I did not get bombarded with sales calls and emails after I requested a quote, unlike some competitors that have sent me half a dozen calls and emails within a few business days.
The Select website outlines available plans, pricing, coverage specifics, and more in plain language. This lets homeowners self-educate on the best plans and add-ons to match their budgets and repair risks. There are no pushy “buy now” marketing tactics that many providers use to make you purchase a plan before you’re ready. Select’s transparent quoting and information sharing make securing coverage more of a learning experience than an adversarial sales process.
I give Select Home Warranty a fair 8.0/10 score for its reputation because of inconsistent customer feedback. Its mediocre BBB rating and 3.8 score on Trustpilot spark some caution in me. Positive reviews praise quick repairs post-approval and easy enrollment. However, multiple negative complaints cite low claims payouts, denied claims, and incompetent technicians, and slow responses to claim submissions — disappointing for me to see for a major provider.
Now, I always take online reviews with a grain of salt — particularly the negative ones because those with bad experiences tend to shout louder publicly than satisfied customers. Select’s lower review volume indicates fewer unhappy homeowners than massive competitors like American Home Shield. I recommend you read some of these reviews yourself before you decide.
| Rating Site | Rating | Number of Reviews |
| BBB | B | Customer Reviews are not used in the calculation of BBB Rating |
| Trustpilot | 3.7 | 4,590 |
| 3.8 | 19,671 |
Editor’s Note: The ratings provided were accurate at the time of writing.
I give Select Home Warranty a fair 7.6/10 rating for its straightforward but slow claims-handling process. Filing online or by phone is simple enough. But for non-emergencies, Select typically dispatches repair techs within 48 hours — no better than the industry norm.
However, even 24–48 hours proves overly long without heat during frigid winter months. Thankfully, Select does provide 24/7 emergency services for high-priority issues like furnace failures. Thus, critical no-heat calls will get expedited assistance outside normal delays. Select’s 90-day workmanship guarantee on repairs is a plus, as it covers any early repeating issues without additional service call fees (within the 90-day window). This is much longer than the 30–60 days from many competitors like Liberty Home Guard and American Home Shield.
Select Home Warranty offers its affordable plans nationwide, earning it a perfect 10/10 score for availability. So, wherever you are in the U.S., you can count on Select to send experienced contractors to your door to fix your furnace issues and other problems that may arise.
Elite Home Warranty
4.3
Our Rating
I appreciate Elite’s unique offering of over 25 specialized coverage add-ons, which is more than double what most competitors offer. Homeowners can handpick riders like electronics protection, pest control, and generator coverage to create customized packages. I also like that you can pick your own licensed contractor for repairs — a one-of-a-kind perk for personalized service. Nevertheless, what makes Elite Home Warranty really stand out to me is its high coverage cap of $10,000 for furnaces (and other home systems) — 3–5 times the limit of most providers. This ensures that you will be able to replace almost all high-end and large furnaces without paying anything extra out of pocket. What’s more, Elite has 4.5- to 5-star ratings across Google, Trustpilot, and Yelp — much higher than the industry average of 2- to 3-star ratings.
My biggest complaint with Elite Home Warranty is its expensive add-ons for true after-hours emergency assistance. Without paying extra fees, Elite’s plans exclude overnight or weekend breakdown coverage when no-heat situations are the most unsafe. Yet paying premium charges seems unacceptable from such a reputable customer service provider. Even worse, choosing your own preferred technician (if they aren’t in Elite’s network) voids workmanship guarantees — counterintuitive for such essential systems.
I give Elite Home Warranty strong marks of 8.6/10 overall at protecting home furnaces, thanks to best-in-class $10,000 coverage caps per system. These limits eclipse the typical $2,000-$3,000 ceilings from nearly all competitors, including Liberty Home Guard and American Home Shield.
For homeowners with high-end heating equipment vulnerable to steep repair bills, Elite’s large coverage caps lend invaluable peace of mind. Its Complete plan bundles furnace and appliance coverage to maximize those strong caps (appliances have a $6,000 coverage cap, exceeding all competitors, too).
However, Elite Home Warranty falls short in responding to after-hours winter furnace emergencies without extra fees. For example, if your furnace breaks down on a 0ºF Saturday, you will have to pay a $150 surcharge to get it fixed over the weekend. But with 26 add-ons available, most households can tailor robust plans, apart from some surcharges on luxury brands.
I give Elite Home Warranty perfect marks of 10/10 for how well its plans shield home furnaces. Like its competitors, Elite provides appliance-only (no furnace coverage), system-only, or combined coverage plans. Plus, limits of $10,000 per system and $6,000 per appliance dramatically exceed the standard $2,000-$3,000 coverage caps from other providers.
For essential equipment like aging furnaces prone to abrupt, costly breakdowns, Elite’s exponentially higher caps will give you invaluable financial security. Its Complete plan bundles appliance and system coverage for the best overall home protection at just a slightly higher cost than the Systems plan. As such, I recommend the Elite Complete plan to practically all homeowners.
During my secret shopping, Elite offered me a 30-day risk-free trial and a $150 discount for enrolling over the phone, making it even more affordable. No other provider comes close to its high furnace coverage caps and fair rates.
| Plan | Monthly Cost | Service Fee | Available Discounts |
| Elite Appliance | $48.99 | $100 | $150 sign-up, 30-day trial |
| Elite Systems | $52.99 | $100 | $150 sign-up, 30-day trial |
| Elite Complete | $59.99 | $100 | $150 sign-up, 30-day trial |
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Granger, IN. The cost data presented was accurate at the time of writing.
Available Add-Ons
Elite Home Warranty has 27 optional add-ons, which is more than most providers’ 6–12 (besides Liberty Home Guard with 42). For furnaces, I particularly like Elite’s HVAC annual maintenance. Routine maintenance is critical to keeping your furnace running efficiently, which helps keep your energy bills reasonable. It also decreases the change of breakdowns during the winter months when you need and use it the most. Another bonus is the optional geothermal heating and cooling system coverage, which is perfect for homes that use this unique system for heating instead of a traditional furnace.
- Attic Exhaust Fan: $69.99/year
- Central Vacuum: $49.00/year
- Effluent Pump: $99.99/year
- Ejector Pump: $99.99/year
- Freestanding Freezer: $59.99/year
- Freestanding Ice Maker: $59.99/year
- Freestanding Spa Equipment: $119.99/year
- Generator: $99.99/year
- Geothermal Heating And Cooling System: $299.99/year
- Grinder Pump: $99.99/year
- Guest House: $299.99/year
- HVAC Annual Maintenance: $299.99/year
- Jetted/Hot Tub: $99.99/year
- Lawn Sprinkler System: $99.99/year
- Lift Pump: $99.99/year
- Limited Roof Leak Repair: $99.99/year
- Pool & Spa Equipment: $199.99/year
- Pool Equipment: $149.99/year
- Premium Appliances: $249.99/year
- Premium Benefits: $199.99/year
- Premium Systems: $299.99/year
- Premium Systems Plus: $499.99/year
- Septic System: $129.99/year
- Service Lines: $349.99/year
- Sump Pump: $99.99/year
- Swamp Cooler: $149.99/year
- Water Filtration System: $99.99/year
- Water Softener: $99.99/year
- Well Pump: $99.99/year
- Wine Cooler: $69.99/year
Exclusions
Elite Home Warranty has the following exclusions, which are standard among home warranty providers.
- A lack of maintenance
- Acts of God
- Commercial-grade appliances
- Cosmetic damage
- Natural disaster-related damages
- Units in a rental property
Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
Elite Home Warranty has affordable monthly plans, starting at $45–$60, which generally align with industry norms. Although, phone reps often vaguely describe add-on fees when they can significantly hike overall costs long-term. While affordable, I found that Elite’s website also lacks pricing transparency as well. You can view pricing online, but add-on costs are hidden deep in a quote confirmation screen.
Like other providers, Elite splits coverage between appliances, systems like furnaces, or bundled plans. Its $100 service call fee also mirrors competitors. However, additional charges add up for homeowners — including $150 weekend/emergency surcharges and a surcharge for higher-end appliances. With these slight downsides, EHW earns a decent 8.7/10 rating from me.
I give Elite Home Warranty a fair 7.6/10 rating for my somewhat frustrating shopping experience on its website. Unlike transparent competitor websites detailing prices, Elite requires phoning for any ballpark premium estimates. Its hard-to-find add-on costs also undermine pricing transparency.
Also, when I spoke with representatives, they often vaguely described fees associated with customized plans — failing to concretely break down potential monthly charges. This convoluted approach forces furnace shoppers to call to attain basic quotes that should be listed publicly.
That said, many glowing Elite customer reviews highlight responsive support and coverage once you sign up. While it lacks clear online pricing and includes a slightly annoying verbal quote phone process, satisfied homeowners show Elite delivers helpful service protecting heating systems long-term.
I give Elite Home Warranty a fair 8.3/10 reputation score due to sparse customer feedback, with under 200 online reviews in total. However, as a new industry player, this limited sample is understandable — though still a drawback in gauging its reliability. Still, Elite does boast accredited BBB status with an A+ rating, which bolsters its credibility. Most online reviews shine positively on claims speed, affordable premiums, and excellent follow-up care to ensure customer satisfaction. I only found a few negative reviews, most of which centered on misunderstandings around waiting periods or organizational hiccups — not negligent business practices. With furnaces requiring urgent winter repairs, I do wish more customer input validated Elite’s services.
| Rating Site | Rating | Number of Reviews |
| BBB | A+ | Customer Reviews are not used in the calculation of BBB Rating |
| Trustpilot | 4.7 | 44 |
| 4.7 | 111 | |
| Yelp | 5.0 | 4 |
Editor’s Note: The ratings provided were accurate at the time of writing.
I give Elite Home Warranty a subpar score of 6.8/10 for its furnace claims process. Moreover, Elite has a 24/7 online or phone claims filing process and a 24–48-hour response time for standard repairs, both meeting industry norms. However, Elite charges extra fees for after-hours and weekend emergencies. This means that homeowners will have to wait out a furnace failure for up to two days if they can’t afford the extra fees. Paying additional charges seems unacceptable when a crisis strikes essential systems.
However, Elite Home Warranty has a relatively quick dispatch of either pre-approved technicians or contractors from its network. During regular business hours, the process operates smoothly. With aging furnaces prone to expensive failures, excluding after-hours coverage without extra fees risks safety issues and massive property damage. Needing to wait extended periods for emergency winter repairs or paying an additional service charge may be a dealbreaker for you.
Elite Home Warranty is available in 46 U.S. states, excluding California, Texas, Washington, and Wisconsin. For homeowners in the covered states, you can expect to have access to local, experienced contractors to perform repairs in your home.
AFC Home Warranty
4.3
Our Rating
I like that AFC Home Club lets you bundle rare lifestyle extras like discounted home security, medical benefits, and insurance savings — creative perks that add value competitors don’t match. Along with its well-rounded furnace coverage, these unexpected bonuses empower financial stability, securing homes. Plus, they supplement AFC’s already robust core coverage for essential systems like furnaces.
Compared to Elite Home Warranty, I don’t appreciate AFC Home Club’s lack of 24/7 emergency furnace repairs without extra fees. Homeowners must pay additional charges for off-hours heating breakdowns — which is unacceptable to me in freezing winter temperatures. Additionally, AFC advertises up to $3,000 coverage limits, which is decent for heating systems. However, the fine print shows certain appliances qualify for just $150-$1,000 caps. So, if you pick an AFC plan that covers systems and appliances, review the appliance caps line by line to avoid gaps in your coverage.
I give AFC Home Club a positive rating of 8.5/10 for protecting home furnaces with its customized plans spanning systems, appliances, and more. Its user-friendly website allows you to quickly compare plans and its flexible service fees — options most competitors lack. And with its A+ BBB rating and great customer reviews, AFC impresses me.
In its Diamond plan (which I recommend to most homeowners), you get coverage for roof leaks, electronics, and major systems and appliances. These budget-friendly plans give homeowners comprehensive but budget-friendly coverage. Within its $3,000 coverage limits, AFC draws glowing feedback for seamless furnace claims and knowledgeable HVAC technicians.
However, its coverage caps are lower compared to American Home Shield ($6,000) and Elite Home Warranty ($10,000), which may cause owners of higher-end heating systems to hesitate. Still, for most standard furnaces, AFC’s caps are more than enough.
I give AFC Home Club strong marks of 8.1/10 for its industry-leading home warranty plans. Beyond basic appliance coverage, AFC offers Gold, Platinum, and exceptional Diamond tiers bundling furnaces, other home systems, electronics, exterior lines, and unusual extras like roof leaks.
With four options total, AFC enables tailoring coverage to match your needs and budget — flexibility that surpasses competitors’ three strict plan offerings. In my opinion, the Platinum plan is the best choice if you want to cover your furnace along with core appliances and other systems, since it is just a few bucks more than lower tiers. If you want to include more items like icemakers, built-in microwaves, and more, the Diamond plan is a great choice, too.
| Plan | Monthly Cost | Service Fee | Available Discounts |
| Silver Plan | $36.83 | $125 | Up to $250 off, free roof leak protection |
| Gold Plan | $51.92 | $125 | Up to $250 off, free roof leak protection |
| Platinum Plan | $57.00 | $125 | Up to $250 off, free roof leak protection |
| Diamond Plan | $61.58 | $125 | Up to $250 off, free roof leak protection |
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Granger, IN. The cost data presented was accurate at the time of writing.
Available Add-Ons
AFC Home Club offers the following optional add-ons to its plans. I particularly like the optional well pump and septic system coverage. I live in a rural area without city water and sewage, so I know the cost to repair and replace these systems can get quite high.
- Built-in microwave: $50/month
- Central vacuum: $25/month
- Double oven: $25/month
- Electronics coverage (price depends on your specific electronics)
- Hot water dispenser: $25/month
- Ice maker: $25/month
- In-ground pool: $100/month
- In-ground pool and spa: $150/month
- Roof leak (free, worth $25/month)
- Septic system: $50/month
- Standalone freezer: $25/month
- Sump pump: $35/month
- Well pump: $50/month
Exclusions
AFC Home Club has the below exclusions to its plans. These are similar to the exclusions of other providers.
- Crane rentals needed to move appliances or systems
- Geothermal heating systems
- Haul-away services
- Light fixtures
- Code violations
- Appliances and systems not properly maintained
Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
I give AFC Home Club excellent marks of 9.1/10 for budget-friendly furnace coverage through competitively priced plans — between $38-$62 monthly, cheaper than industry averages. Even its robust Diamond bundle stays affordable and even bundles electronics and sewer lines, which most providers typically exclude.
I also like that AFC lets homeowners balance higher deductibles against lower premiums. In other words, you can choose a $75–$125 service call fee. In exchange for a higher service fee, you get a lower premium charge (and a lower service call fee results in a higher monthly premium).
That said, it advertises up to a $3,000 coverage limit, but after I reviewed the fine print, I found lower $150-$500 caps on certain items. I strongly suggest you carefully review AFC’s sample contract before enrolling to ensure you have the coverage you need.
I give AFC Home Club a glowing rating of 9.2/10 for its user-friendly website and quoting tools. While I was getting a quote, I was impressed by how swiftly I could compare plan tiers, costs, and service call fees — not to mention easily toggle optional add-ons.
I also appreciate that AFC even provides transparent plan-specific agreements outlining the exact coverage you choose. This simplifies shopping and provides pivotal transparency on payout caps, along with other critical specifics. Additionally, homeowners consistently praise AFC’s communication and professional technicians in online reviews — pivotal factors when getting furnace coverage.
I give AFC Home Club positive marks of 8.3/10 for reputation despite limited customer feedback. With under 2,000 total online reviews across Trustpilot, Google, and Yelp, far below major rivals, AFC suffers from low visibility and total customers.
However, a strong 3.7 Google and 3.0 Trustpilot ratings easily bests the dismal 2-star industry norm. And its BBB accreditation since 2015 proves longstanding service reliability over its 14 years in business. When complaints do arise, AFC is very responsive — I saw that it promptly addressed and closed 140+ recent Better Business Bureau cases. Many AFC reviewers praise quick contractor dispatch, seamless claims experience, and reasonable payouts for essential repairs. Some negatives center on misunderstood loopholes or overall contract confusion as opposed to negligent business practices.
| Rating Site | Rating | Number of Reviews |
| BBB | B | Customer Reviews are not used in the calculation of BBB Rating |
| Trustpilot | 3.0 | 24 |
| 3.7 | 1,602 | |
| Yelp | 1.9 | 336 |
Editor’s Note: The ratings provided were accurate at the time of writing.
I give AFC Home Club a subpar score of 6.8/10 for its claims handling process as it lacks emergency repair options outside normal business hours. Without 24/7 assistance, households wait multiple days for urgent issues over holidays and weekends — delays carrying risky safety and financial consequences, especially during the frigid winter months.
AFC’s coverage documents even state the provider “will be closed on Nationally Recognized Holidays therefore resulting in delayed Service Request Assignments.” For furnace systems, this is unacceptable, especially amid freezing winters. I suggest you carefully weigh AFC’s inability to support critical off-hours breakdowns before enrollment.
Positively, once repairs get scheduled, AFC provides an industry-best lifetime workmanship guarantee. If technicians need to revisit any fix, you pay absolutely nothing extra for the full policy duration — far better than the industry’s typical 30-90-day workmanship guarantee windows.
AFC Home Club only lacks coverage in California and Hawaii, earning it a perfect 10/10 score. If you live in the other 48 states, you can be sure AFC has local contractors in its network available to fix your home issues with haste.
Calculate the Cost of Home Warranty
Use the home warranty cost calculator (below) to estimate the annual cost of a new plan. Just type in the monthly premium charge, service call fee, and number of service visits you expect in a year. The calculator will then output an estimated yearly cost for a home warranty plan.
| Appliance | Average Repair Cost | Average Replacement Cost |
|---|---|---|
| Dehumidifier | $50–$200 | $1,300–$2,800 |
| Microwave | $50–$400 | $60–$2,000 |
| Dishwasher | $50–$500 | $400–$3,000 |
| Exhaust Fans | $16–$300 | $250–$950 |
| Electric Range | $100–$500 | $230–$3,000 |
| Gas Range | $100–$500 | $230–$3,000 |
| Dryer | $100–$400 | $450–$2,300 |
| Oven | $100–$430 | $400–$3,000 |
| Washer | $50–$450 | $400–$2,300 |
| Freezer | $90–$500 | $160–$2,900 |
| Refrigerator | $40–$350 | $200–$5,000 |
Frequently Asked Questions
Do You Need a Home Warranty for Furnaces?
Home warranties provide affordable protection for unpredictable furnace breakdowns, covering repairs and reducing costly bills. Look for emergency coverage, high payout caps, and custom add-ons.
How Much Does a Home Warranty Cost for Furnaces?
Expect to pay $40-$75 monthly for a home warranty plan with furnace coverage — higher-end plans range from $60-$75. You’ll also have a $75-$150 service fee per furnace repair call.
How To Save Money When Shopping for Home Warranties for Furnaces?
Call providers to ask about discounts and coupons when getting a quote to lower monthly payments or service fees. You can also get a quote online; most providers offer discounts or coupons there, too.
Is a Home Warranty Worth It for Furnaces?
Yes, given aging furnaces’ likelihood to fail during freezing winters, warranties provide vital financial security, especially when bundled with 24/7 emergency repairs and high payout limits to fully cover replacement.
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