5 Best Home Warranties for No Deductible (2022)

By Jon Jachura

A home warranty is important for your home because it protects your major home systems and appliances. If something in your home breaks down or fails, the surprise repair or replacement costs are covered by your policy. In the end, a home warranty can save you hundreds to thousands of dollars in unexpected expenses.

Best Overall

  • 4.9 out of 5 stars
  • Superior cost-to-coverage ratio
  • Emergency servicing available
Most Cost-Effective

  • 4.8 out of 5 stars
  • Lowest service fee
  • Free roof leak coverage
Most Customizable

  • 4.7 out of 5 stars
  • 50+ years in business
  • Pick-your-own service fee

But some home warranty policies also charge a deductible or an extra fee for any service your home needs. Granted, the deductible is almost sometimes less than a repair, but most homeowners prefer to have no deductible. This is where a home warranty with no deductible comes into play.  A home warranty without a deductible is an annual service contract that covers the repair, maintenance, or replacement of your major home systems and appliances that fail from normal wear and tear.

Why Trust House Method

  • 63 companies reviewed
  • 41 key factors analyzed
  • 2583 data points parsed
  • 885 homeowners surveyed
  • 57 service contracts scrutinized

House Method’s Experts collected and analyzed 2000+ critical data points to identify what makes a great home warranty company in the eye of the consumer. Our reviews team used this data to assess over 60 home warranty providers for coverage extent, annual cost, and national availability to provide unbiased reviews so homeowners can confidently navigate key decisions about their homes.

While most home warranty companies have deductibles (also known as service fees or service call fees), it can be challenging to find ones without them. So, to help you find the best home warranties without deductibles, we researched all the top brands. These home warranty companies without deductibles are fully vetted and have great coverage for homes.

The Best Home Warranties with No Deductible in 2022

With most home warranty companies, you pay a monthly charge and a small service fee for any repair or replacement covered by the policy. However, some home warranty companies charge a deductible on top of this. A deductible is a minimum charge you pay for any service call. For example, several home warranty companies have service fees ranging from $50-$125.

Even though most home warranty policies have service fees/deductibles, a few do not. If you’d rather avoid unexpected repair/replacement expenses altogether, it is a good choice to get a home warranty policy without one. The top home warranty companies without deductibles have fair pricing, comprehensive coverage, and great customer support.

To help you determine which home warranty company without a deductible is the best fit for your home, we evaluated them all and made this top three list.

  1. HomeServe USA – Best overall
  2. Home Warranty Inc – Most cost-effective plans
  3. Complete Protection – Best customizable plans

1. HomeServe USA

HomeServe USA (HS USA) is our top choice for a home warranty company without a deductible because of its affordable plans, good customer service, and fast warranty repairs. It has several budget plans for plumbing, electrical, heating and cooling, and some combination plans.

HS USA has over 15 years of experience in the industry, with many customers saying good things about the company. On Trustpilot, HS USA has good ratings and it holds an A+ rating on the Better Business Bureau (BBB). Besides having no deductibles, it provides 24/7 service for claims and emergencies.

Many homeowners, realtors, and real estate investors choose HomeServe USA because they are easy to work with, filing a claim is simple, they’re low cost, don’t have a deductible, and have high payout limits of $10,000 per term.

HS USA’s home warranty plans are available to homeowners in all states besides WA.

Key Highlights

  • No deductibles
  • High coverage caps
  • 1-year repair guarantee

Plans, Cost, and Coverage

HS USA has several home warranty policies. However, they don’t cover appliances. So keep that in mind. Here is just a snapshot of their combination plans. To view all plans, see our review.

  • Exterior pipe plan ($12.79 per month) — Protects your water service, sewer, and septic lines.
  • Heating and cooling plan ($15.99 per month) — Covers both your heating and cooling systems.
  • Home comfort plan ($23.99 per month) — Covers your HVAC systems (heating and cooling systems), gas lines, and hot water heater.
  • Complete plumbing plan ($33.59 per month) — Covers your water service line, interior plumbing and drainage system, sewer and septic line, gas line, and water heater repair and replacement.
  • Interior protection plan ($44.79 per month) — Covers all interior plumbing and drainage system, heating and cooling systems, gas line, interior electric lines, and water heater system.
  • Home plumbing and drainage coverage ($21.98 per month) — Protects your septic line, sewer line, and interior plumbing and drainage system.
  • Premium home protection plan ($55.99 per month) — Most comprehensive plan HomeServe offers. It covers your sewer and septic line, exterior and interior electrical, heating and cooling systems, gas line, water service line, interior plumbing and drainage system, and water heater repair and replacement.
  • Service Fees: $0

For a free home warranty quote from HomeServe USA, dial 833-956-2336 or fill in this online form.

To learn even more about its home warranty policies, read our full HomeServe USA review.

2. Home Warranty Inc

Home Warranty Inc (HWI) is another great home warranty company without deductibles. It has comprehensive coverage, with three levels of coverage plans to choose from. But only one of its home protection plans has no service call fees. Along with its various plans, HWI has plenty of optional add-ons, too, allowing homeowners to customize their coverage.

Compared to the majority of other home warranty companies, Home Warranty Inc is cost-effective with the most comprehensive coverage. Many homeowners have positive experiences with HWI, as its online ratings show. On the Better Business Bureau, it holds a good A rating with several good reviews.

HWI plans are available to homeowners in 30 U.S. states. For a full list of covered states, see our review here. Keep in mind that Home Warranty Inc’s plan may seem on the more expensive side, but they typically have larger coverage caps.

Key Highlights

  • Zero deductible
  • Build your own appliance plan
  • Coverage for homes of any sizes

Plans, Cost, and Coverage

HWI has three warranty plans (none of which has a deductible):

  • Supplemental Home Protection Plan ($25 monthly cost): Protects 14 major systems and appliances, including a clothes dryer, clothes washer, dishwasher, cooktop, built-in microwave, trash compactor, refrigerator, oven, garbage disposal, and even unknown pre-existing conditions.
  • Appliance Protection Plan (Price per covered item): Several a la carte options for appliances – AC units ($7/month), heating systems ($7/month), dishwasher ($5/month), trash compactor ($5/month), washer ($5/month), dryer ($5/month), and more
  • Home Protection Plan ($550 per year): Covers 19 home systems and appliances, including garage door openers, washers, dryers, refrigerators, trash compactors, central vacuums, and more.
  • Optional Add-Ons ($39.99-$99.95 per year): Extra coverage for additional garage doors, electrical outlets, light fixtures, electrical switches, central vacuum systems, wells, spas/pools, sump systems, septic systems, lawn sprinkler systems, stand-alone freezers, ice makers, refrigerators, and roof leaks.
  • Service Fee: $75 for Home Protection and Supplemental Home Protection Plans, no service fee for the Appliance Protection Plan.

To get a home warranty quote from HWI, fill in this form or call them at 888-370-3953.

For more details about the company and its home warranty plans, please read our complete Home Warranty Inc review.

3. Complete Protection

Complete Protection (CP) is another top choice for home warranties with no deductibles. The company has four plans with comprehensive coverage and no service fees. It also has several optional add-ons for additional coverage, allowing homeowners to customize their plans.

CP has millions of customers and over 20 years in business. And, in its long history, the large majority of its customers have had positive experiences. The company has a great average rating on Trustpilot and a rare A+ rating on the Better Business Bureau (BBB). Most homeowners like CP because of its excellent service, high coverage caps, and broad coverage.

Complete Protection covers more items on average than other home warranty providers.

Key Highlights

  • No deductibles for any plans
  • Customers can choose their own providers
  • Covers many home systems and appliances

Plans, Cost, and Coverage

Complete Protection four levels of home warranty plans:

  • Essential ($45 per month): Covers seven essential home systems and appliances in total, including AC units, ovens, cooktops, microwaves, furnaces, dishwashers, and water heaters.
  • Advanced ($55 per month): Covers ten appliances and home systems, including everything in the Essential plan plus range, washer, and dryer.
  • Comprehensive ($65 per month): Covers 15 home systems and appliances, including everything in the two lower plans plus refrigerator, pipe leaks, electrical wiring, outlets, and the main panel.
  • Ultimate ($75 per month): Covers 22 home systems and appliance, includes all items in the previous three plans and faucets, shower heads, light fixtures, ceiling fans, garbage disposals, garage door openers, and more
  • Optional Add-ons: A la carte option well pumps, septic systems, pools, spas, winer cooler, sump pump overflow, clothes washers, , coverage.
  • Service Fee: $0

For a free Complete Protection home warranty quote, fill in their form or call 800-978-2021.

For more details on Complete Protection’s coverage, read our full review.

What is a Home Warranty with No Deductible

A home warranty with no deductible is a service contract that helps cover the cost of repairing or replacing major appliances and systems in your home. The best home warranty companies with no deductibles offer comprehensive coverage at an affordable price, with little to no out-of-pocket costs for the homeowner.

When you have no deductible, you never pay anything when a technician comes to your home for a covered repair or replacement – no matter the cost of the repair.

Who Needs a Home Warranty with No Deductible

Homeowners with an older home or appliances may find a home warranty with no deductible to be especially beneficial. Newer homes and appliances still benefit from a home warranty, which can help offset the cost of repairs or replacements.

Additionally, homeowners who want to avoid large repair bills and have peace of mind knowing their home is covered in case of an unforeseen breakdown may also find a home warranty with no deductible or service fee to be a good fit.

What Does a Home Warranty with No Deductible Cover?

The best home warranty companies with no deductibles offer comprehensive coverage for both appliances and systems in your home. This usually includes but is not limited to:

  • Appliances: Refrigerators, ovens, dishwashers, washing machines, dryers, garbage disposals, and more.
  • Systems: Heating and cooling systems, water heaters, electrical systems, ductwork, and more.

Some home warranty companies with no deductibles also offer optional add-ons for items like pools, spas, lawn sprinklers, second refrigerators, and more. However, the covered appliances and home systems vary between providers and plans – so check with the home warranty company to determine exactly what is and is not covered.

How Much Does a Home Warranty Cost with No Deductible?

The best home warranty companies with no deductibles have plans that start at around $30 to $100 per month. The price of your plan will depend on the level of plan you choose, the number of covered appliances in your home, where you live, and the home warranty company.

To get an accurate quote for a home warranty with no deductible, contact a few different providers and compare prices, coverage caps, and covered systems and appliances. Be sure to ask about any discounts or promotions that may be available.

How Does a Home Warranty with No Deductible Work?

If one of your covered appliances or home systems breaks down, simply contact your home warranty company and open a claim. The home warranty service provider will then send a technician to assess the issue and determine if it can be repaired or if the item needs to be replaced.

If the technician determines that the item needs to be repaired, they will do so on-site. If they determine that the item needs to be replaced, they will order the replacement and schedule a time to install it. In most cases, you won’t have to pay anything out-of-pocket – as long as you stay within your coverage caps.

Here is how the home warranty policy works step-by-step.

Get Home Warranty with No Deductible

The first step is to contact one of the best home warranty companies to start a policy with no service fee (deductible). You can visit the home warranty company’s website or call them.

Once you have selected the best home warranty company for your needs, you will need to choose a plan and coverage limits. Be sure to read the fine print to know exactly what is and is not covered under your policy.

After you purchase the policy, you will have a waiting period of 10-30 days (depending on the provider) before you can file a claim on a home system or appliance. Home warranties don’t cover any pre-existing conditions.

Something Breaks in Your Home

Your next step in your home warranty journey is waiting for a potential issue with a home system or appliance. Of course, no homeowner wants something in their home to break down. But, failures happen. That’s why home warranty policies are essential.

You Contact the Warranty Provider & File a Claim

If a covered item breaks down during the coverage period, simply contact your home warranty company to open a claim. The best home warranty companies have 24/7 customer support, so you can reach them anytime – day or night.

They Fix It, and You Pay Nothing Extra

Once you open a claim, the home warranty company will send a technician to assess the issue and determine if it can be repaired or if the item needs to be replaced.

If the technician determines that the item needs to be repaired, they will do so on-site.

Be Aware of Your Policy Limits and Coverage Caps

It’s important to be aware of your policy limits and coverage caps. Some home warranty policies have a limit on the number of claims you can file per year and/or a cap on how much they will pay out per claim.

For example, some home warranty policies will only cover $500 per appliance or system, while others may cover up to $1,500. Be sure to ask about these limits when comparing home warranty policies to know exactly what you’re getting.

Frequently Asked Questions About Home Warranties with No Deductible

Should I Get a Home Warranty with No Deductible?

A home warranty with no deductible can be a great way to protect your finances in case of a covered appliance or system breakdown. Be sure to compare different providers and coverage limits to find the best policy for your needs.

Does a Home Warranty with No Deductible Cover Less?

Home warranty policies with no deductible typically cover the same things as policies with a deductible. However, there may be some differences in coverage limits and service fees. Keep in mind that all home warranty policies have certain exclusions. You can always choose a more comprehensive plan without a deductible too. Be sure to read the fine print before you purchase a policy.

Is a Home Warranty with No Deductible More Expensive?

Home warranty coverage with no deductible typically costs the same as policies with a deductible. However, there may be some differences in coverage limits. Be sure to read the fine print before you purchase a policy.

What is typically covered under a home warranty?

A home warranty offers coverage for the repair or replacement of major home systems and appliances. This can include your dishwasher, refrigerator, furnace, air conditioner, electrical system, garage door openers, plumbing, and more.

What is a deductible in a home warranty?

A deductible or service fee is an out-of-pocket amount you would have to pay each time your home warranty company sends a technician to repair an appliance or system in your home.

If you’d like to avoid paying for service visits, you need to get a home warranty policy with no deductible.

Final Thoughts

If you are a homeowner or will be purchasing a new home soon, a home warranty policy with no deductible can help prevent unexpected expenses and stress in the event of an unforeseen appliance or home system breakdown. Their monthly premiums are almost always much less than the price of a single covered repair, making them an excellent value for budget-minded homeowners.

Be sure to compare the three home warranty providers and plan options we recommended and review the coverage limits before you purchase a policy, as not all policies are created equal. Remember – always read the fine print.

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.

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