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Top 6 Best Home Warranty Companies for Pre-existing Conditions (2021)

By Laura Hodges

Unfortunately, home warranty companies require you to have all appliances and systems in working order to be able to sign up for a home warranty plan. The way these plans work will ensure that your home is protected and functioning from the start of the plan forward. However, your home must first be in working condition. This is why it pays to get a home warranty started as soon as possible while your home is still functioning. 

In this guide, we will show you:

  • The top 6 best home warranty companies for pre-existing conditions
  • How to choose a home warranty company 
  • What a home warranty cost 
  • And much more . . . 

Not only are pre-existing conditions not covered under a home warranty plan, but you will also have to keep up with routine maintenance in your home. Some home warranty companies are better than others when it comes to the way they handle unknown pre-existing conditions. We have found the six best home warranty companies for those with pre-existing conditions. If you want to know how to adequately protect your home moving forward, keep reading. 

Our Top 6 Home Warranty Companies for Pre-Existing Conditions

  1. Best Overall: Choice Home Warranty
  2. Most Customizable: American Home Shield
  3. Most Cost-Effective: Select Home Warranty
  4. Most Trustworthy: Liberty Home Guard
  5. Best Appliance Coverage: First American Home Warranty 
  6. Best for Immediate Service: ServicePlus Home Warranty

Even though all six of the home warranty companies on our list will not cover pre-existing conditions, they are all well known for their fair pricing, substantial claim payouts, and repair and replacement workmanship. A home warranty can only start when your home is in full working condition, but these plans will take it from that point. We looked at everything from coverage options to pricing to BBB ratings to determine the best home warranty companies for pre-existing conditions. There is sure to be an option on this list that will work for your home. 

Compare Home Warranty Providers

Provider Visit Site Monthly Cost Service Fee BBB Rating States Covered
Choice Home Warranty  Get a free quote Basic Plan: $45/month

Total Plan: $53.33/month

$85 B- 47 states, not including CA, NV
American Home Shield  Get a free quote  ShieldSilver: $34.99-$49.99/month

ShieldGold: $44.99-$59.99/month

ShieldPlatinum: $59.99-$74.99/month

$75-$125 B 49 states (Not including AK)
Select Home Warranty  Get a free quote Bronze: 36/month

Gold: $36/month

Platinum: $38/month

$75 B 46 states(Not including NV, NY, WA, WI)
Liberty Home Guard Get a free quote  Appliance Guard: $64.99/month

Systems Guard: $69.99/month

Total Home Guard: $74.99/month

$75 A+ 45 states (Not including CA, WA, WY, WI, IL)
First American Home Warranty Get a free quote  Basic Plan: $38/month

Premier Plan: $48.50/month

$85 B 33 states (not including AL, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, WI)
ServicePlus Home Warranty  Get a free quote  Gold Plan: $53.67/month

Platinum Plan: $60.33/month

$75 NR 46 states (not including CA, NY, NV, WA)

1. Choice Home Warranty

Best Overall

  • 2 plans available + optional add-ons
  • Has over 11 years of industry experience
  • 90-day repair guarantee
  • $46–$55 per month with $85 service fee

Choice Home Warranty is the best comprehensive home warranty for pre-existing conditions. Just like all the other home warranty companies on our list, Choice Home Warranty is not going to offer coverage for your home if you have a broken refrigerator or dishwasher. However, with the 13 years that Choice Home Warranty has spent in the industry, they know how to offer fair and basic plans for their customers. 

The Choice Home Warranty has two plan options for customers, and they are both combo plans with system and appliance coverage. One of the things to remember about Choice Home Warranty is that even if you have an older home, Choice will still offer you coverage and the ability to choose their home warranty plan. 

Pros

  • Simple and straightforward plan choices 
  • Extended 90-day workmanship guarantee
  • Fair monthly pricing and service fee pricing 
  • Plenty of add on options for unique homes 
  • More than 13 years in the industry

Cons

  • No ability to build a custom plan 

Plans and Pricing

Plan Price Per Month Price Per Year
Basic Plan  $45 $560
Total Plan $53.33 $660

Coverage

One of the best things about the Choice Home Warranty plan is that it has high coverage limits. If you have high-end appliances that will cost you $2500 or more to replace, the coverage limits from Choice will be very appealing. In addition, the fact that both plans have system and appliance coverage makes this an excellent value for a home warranty plan. 

The Choice Home Warranty plans are some of the most trusted in the industry. You will not be disappointed by what Choice has to offer.

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.  

For more information, read our Choice Home Warranty Review.

2. American Home Shield

Best Customizable Plans

  • 3 plans + add-ons and the option to build your own plan
  • Customers can choose the service fee they want to pay
  • Provides generous coverage caps
  • $35–$75 per month

American Home Shield  has been in the home warranty industry for more than 50 years. Having spent this kind of time in the industry, American Home Shield is very well aware of a pre-existing condition and whether or not the customer knew it before signing up for the plan. For many pre-existing conditions where the issue may not have been known, AHS will still cover it. Overall, American Home Shield is known for paying out a large number of claims for its customers. 

American Home Shield is also the most customizable plan in the industry. With the American Home Shield plan, you will be able to pick and choose coverages and even customize the price that you pay for your deductible and monthly fees. Having this kind of control over your home warranty plan is something that sets AHS apart from the other companies on the market. 

Pros

  • More than 50 years in the industry 
  • Customizable plans and fees 
  • Premium coverage with high coverage limits
  • Payment plan choices 

Cons

  • Pricing tends to be a bit higher than other plan choices  

Plans and Pricing 

Plan Price Per Month Price Per Year
ShieldSilver Systems Plan $39.99 $479.88
ShieldGold Combo Plan  $49.99 $599.88
ShieldPlatinum Combo Plan $64.99 $779.88

Coverage

Similar to Choice Home Warranty, the American Home Shield plans will offer very high coverage limits and a wide range of coverage options. Whether you are new to the home warranty industry or have been in it for years, AHS is a fair and comprehensive company to consider for your home warranty plan. 

Many people enjoy the AHS home warranty plans because they allow customers to have some control over their policies. Ensuring that you are only paying for coverage that you will use is a tremendous benefit of having a home warranty in place.

To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839

To read more, visit our American Home Shield review.

3. Select Home Warranty

Most Cost-effective Plans

  • 3 plans ranging from $52-$58 per month + optional add-ons
  • Provides free roof leak coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Affordable service fee of $60

Select Home Warranty is a home warranty provider that continues to offer some of the best value on the market. The Select Home Warranty plan allows for lower monthly payments And even gives customers free roof leak coverage. If you are unsure whether a home warranty plan is right for you, Select Home Warranty can make the decision quite a bit easier. 

There are three select home warranty plans to choose from. It is easy to see that the Platinum plan combining both appliance end system coverage is the best value. With nine years in the industry, Select Home Warranty ensures that they are a partner in maintaining your home. Pre-existing conditions are not covered under the Select Home Warranty plan, but with the fair pricing and value of this plan, you will be able to maintain your home in excellent condition. 

Pros

  • Strict contractor guidelines for better quality repairs 
  • Free roof leak coverage with each plan 
  • Impressive workmanship 
  • Has more than nine years of experience in the industry 

Cons

  • Coverage caps are not as high as some other plans
  • It won’t provide complete customization like the AHS plans 

Plans and Pricing

Plan Price Per Month Price Per Year
Gold Care $52.00 $579.99
Bronze Care  $52.00 $579.99
Platinum Care $58.00 $649.99

Coverage

With Select Home Warranty being one of the more affordable plans on the market, you will have to expect that some of the coverage limits are slightly lower than other plans. Select Home Warranty offers a broad range of coverage options even if the individual covered items are not covered for as great of a value. 

If you are unsure whether or not a home warranty is right for you, try the Select Home Warranty Platinum Care plan for a year and see what it can do for you.

Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.

Read our Select Home Warranty review to learn more.

4. Liberty Home Guard

Most Trustworthy

  • 3 plans ranging $65-$75 with 20 optional add-ons
  • Has a 60-day workmanship guarantee on all repairs
  • Customer service available 24 hours a day, seven days a week
  • BBB’s only A+ accredited home warranty provider

Liberty Home Guard is a newer home warranty policy known for its high Better Business Bureau ratings. Liberty Home Guard has maintained an A rating from the BBB after just a few years in the industry. One of the things that set Liberty Home Guard apart from other companies is its wide range of coverage options. Liberty Home Guard has you covered whether you need coverage for a swimming pool, microwave, garbage disposal, or refrigerator.

Liberty Home Guard offers three home warranty policies; the Total Home Guard plan is the most popular among those looking for coverage. Known pre-existing conditions are not covered under the Liberty Home Guard warranty. However, some unknown issues could be covered under the plan. Overall you will be impressed with the customer service reliability and speed of service from Liberty Home Guard.

Pros

  • Fast service 
  • It has a 60-day workmanship guarantee
  • An extensive list of add on coverages
  • Easy to contact customer service and file a claim 

Cons

  • Priced a bit higher than other companies
  • Newer home warranty company, not as much history in the business 

Plans and Pricing

Plan Price Per Month Price Per Year
Appliance Guard $64.99 $649.99
Systems Guard $69.99 $699.99
Total Home Guard $74.99 $749.99

Coverage

The pricing of the Liberty Home Guard policy is slightly higher than other Home Warranty companies. Part of this is due to the wide range of coverage. Liberty Home Guard is currently offered in 45 States, and they are open to receiving customer questions and claims 365 days a year. Even though Liberty Home Guard is a new company, this is one to put on your list.

When comparing home warranty companies, it is essential to look at the coverage included in the plan. If the coverage option is Broad, the value of the home warranty is quite a bit better. Liberty Home Guard does a tremendous job with this.

To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281

To learn more information, visit our Liberty Home Guard review.

5. First American Home Warranty

Best Appliance Coverage

  • 2 plans + optional add-ons
  • Covers improperly installed or maintained items
  • No cap on coverage for HVAC
  • $38–$48.50 per month

First American Home Warranty is a home warranty policy known for its impressive appliance coverage. Appliances tend to have quite a few pre-existing conditions. Whether it is your refrigerator, your oven, or your washing machine, there are times when these appliances can have ongoing issues. With the First American Home warranty, you can be sure that all problems related to systems and appliances in your home are properly covered. With more than 30 years in the industry, First American Home Warranty is a leader in the market.

First American Home Warranty likes to keep things simple with just two policy choices to choose from. There is the appliance plan and then a premier plan that covers both appliances and systems.

Pros

  • Impressive and affordable appliance coverage 
  • Fair pricing 
  • Some systems with no coverage caps
  • Option for 24/7 service calls 

Cons

  • The contract can be a bit confusing with lots of technical terms 

Plans and Pricing

Plan Price Per Month Price Per Year
Gold Plan  $38 $456
Platinum Plan  $48.50 $582

Coverage

If you are looking for premium coverage from your home warranty policy, then the Platinum plan from First American Home Warranty is the best option; with this plan, you will have both system and appliance coverage. Keep an eye on the coverage caps and limits of a more affordable plan like First American Home Warranty offers. There are several add-on options that you can include as part of your plan. The only way to get air conditioning coverage with First American is to add on to your gold or platinum plan.

With their history in the industry, impressive customer service, and fair pricing, First American Home Warranty is worth getting a quote from.

To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164

To find out more, read our First American Home Warranty review.

6. ServicePlus Home Warranty

Best For Immediate Service

  • Offers 2 plans + optional add-ons
  • Provides a 24/7 claims hotline open 365 days a year
  • Has a 90-day parts guarantee
  • Allows customers to make unlimited service calls

our rating8.9

ServicePlus Home Warranty is a younger, modern, and fast-paced Home Warranty company. If you are serious about getting a quick repair for one of your appliances or systems, the ServicePlus home warranty is the company to call. With five years in the industry, ServicePlus knows how to handle a variety of home warranty issues. We are impressed with the availability that Service Plus has for its customers and homeowners.

Like all the other Home Warranty companies on our list, pre-existing conditions will not be covered under the plan. However, regardless of the age of your appliances or system Service Plus home warranty will offer you a policy. having the ability to call for a repair or replacement 24 hours a day, seven days a week is a benefit that all homeowners should consider

Pros

  • Very easy to place a claim 
  • Fair pricing
  • Combo plan with systems and appliances is a good value 
  • Unlimited service calls 

Cons

  • Not BBB accredited 

Plans and Pricing

Plan Price Per Month Price Per Year
Silver Combo $53.67 $644.04
Platinum Combo $60.33 $723

Coverage

For the most comprehensive coverage, it is best to choose the ServicePlus Platinum combo plan. One of the great things about service plazas is that both plans cover both appliances and systems. However, the Platinum combo has a much broader range of coverage that will give you greater peace of mind about your home.

Although ServicePlus home warranty is not the number one choice for pre-existing conditions in your home, they are a reasonably priced and good home warranty company. It is worth getting a quote from ServicePlus, Especially if you care about the speed of service.

To get a free quote from ServicePlus Home Warranty, you can fill out this online form or call 478-210-5091

Do Your Items with Pre-existing Conditions Need a Home Warranty?

The difficult thing about pre-existing conditions is that they must be fixed before a home warranty policy can start. This makes things difficult for a homeowner that needs to pay for an out-of-pocket repair and then start a home warranty policy. Most homeowners find it after paying for several repairs like this; they are happy to get a home warranty policy started.

Every home warranty policy comes with a 30-day window before the policy goes into effect. This is done to protect the Home Warranty company from any pre-existing issues occurring in the home. Therefore, a pre-existing condition does not need a home warranty, but a home warranty should be in place to prevent further issues.

If your refrigerator does not get cold or your dryer doesn’t get hot, you will need to have them fixed before starting your home warranty coverage.

What to Look For When Choosing a Home Warranty for Pre-existing Conditions

As we have mentioned, home warranty companies will not cover pre-existing conditions that a homeowner knows about. If a repair technician comes to the home and finds that the reason for the repair is due to a pre-existing condition, the repair will not be covered. In this situation, many homeowners will still be out of the price of the service fee. Therefore it is essential to consider your options carefully when signing up for home warranty coverage.

Plans and Coverage

As you may have noticed, every home warranty policy on our list has different plans and coverage options. As a homeowner looking for a new home warranty policy, it can become a bit overwhelming trying to compare these different plans. Our best advice is to take a walk around your home and make a list of the essential plants has and systems. What are the things that you can’t live without? Find the Home warranty policy that has the closest match to these specific covered items and invest in that plan.

Price and service fees

 When considering the overall pricing of a home warranty policy, it is essential to consider the monthly price and the service fees. Service fees are charged each time a repair or replacement is needed in the home. Service fees range in price from $60 to $150.  some home warranty companies like American Home Shield will allow you to customize your monthly and service fee pricing to work better for your budgetary needs.

Replacement Options

 Most home warranty companies offer replacement coverage. Replacement coverage will be limited by the age of your current appliances or system and the coverage limits of the policy that you chose. And don’t expect a Home Warranty company to completely cover the cost of a new high-end air conditioning system. However, you can expect a significant discount and a much lesser burden on you as the homeowner.

Location

 Home warranty companies are offered across all 50 states. However, not all of our top six options for pre-existing conditions are provided in every state. Find a company that is offered in your area and reach out to them for a quote. Pricing across the entire state should be the same.

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Frequently Asked Questions

Do home warranty plans cover pre-existing conditions?

Home warranty plans do not cover pre-existing conditions. This is partly why there is a 30-day waiting period before any home warranty policy coverage begins. Make sure that your home is in top shape before signing up for a home warranty policy. Come home warranty companies will accept an inspection from a certified company to ensure no pre-existing issues in the home.

What is a service fee?

A service fee is a price you pay each time an appliance or system in your home needs a repair. Service fees range in price from around $60 to over $150. The more home repairs and replacements that you need, the higher the number of service fees that you will pay in the course of a year. When a home warranty policy has a very low monthly price, sometimes their service fees can be pretty high. Keep this in mind when considering overall plan affordability.

Is a home warranty for pre-existing conditions worth it?

Although a home warranty will not cover pre-existing conditions, it is still worth investing in a home warranty. It is incredibly frustrating to continually have to fix issues related to appliances and systems in a home. Homeownership comes with enough responsibilities that this can set some own homeowners Over the Top. If you want to protect your budget and have peace of mind about being a homeowner, A home warranty is well worth the money.

Do home warranties start immediately?

Home warranty plans take 30 days to go into effect. During these 30 days, most companies offer free cancellation. The 30-day window allows home warranty companies To ensure that there are no previous conditions in the home. repair technicians are trained to recognize the root cause of issues and appliances and systems

What should I do about pre-existing issues in a home?

If you have pre-existing issues in your home, it is best to fix them before starting your home warranty policy. This is truly the only way to ensure that any issue that comes up while your home warranty is in place will be properly covered. 

Final Thoughts

We hope that these top 6 home warranty plans for pre-existing conditions have helped to make your search a bit easier. Although no home warranty companies will cover pre-existing conditions, it helps to know which companies offer the best coverage moving forward. Choice Home Warranty is the top home warranty choice for pre-existing conditions. Some unknown pre-existing conditions that occur in your home will be covered under the Choice Home Warranty plan. This is a question that you should ask when you sign up for coverage. With the fair pricing, impressive history in the industry, and excellent coverage that all six of these plans offer, don’t hesitate to get more than one quote. the most important thing is to sign up for your home warranty coverage as soon as possible before another system or Appliance breaks in your home

See the Best Home Warranty Companies in Your State

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House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology.

We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home. Additionally, transparency and trust are our most important values for the reader.

That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to make sure no detail was left out.

To make the most of our research, we developed a formula to objectively determine the best home warranty companies based on the following criteria:

  • Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
  • Prices: How reasonable are the monthly fees and service fees in comparison to the industry average? We compared the costs of each company to competitors.
  • Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
  • Customer service: How is the customer experience when calling the providers? Based on our phone calls, we were able to judge each company’s customer service.
  • Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
  • Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
  • Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that sets them apart from the competition.

How do we keep our data up to date?

We want to make sure we’re providing you, the consumer, with the most current data available for every home warranty company we’ve researched and rated. That takes significant effort but we feel that’s vital to providing you thorough and trustworthy reviews.

With that in mind, we have dedicated staff members who regularly update our database of home warranty research.

For those that want to  come home to a house that is comfortable and functioning, a home warranty makes a lot of sense. For the price that a home warranty is offered, you will quickly learn that it is indeed a good value. At an average of around $40 per month, your policy will cost you just under $500 per year.

If you have ever had an appliance or a home system that needs repair, you probably understand quite well that you will quickly reach that $500 mark to get your home back up and running. Take your time to carefully consider your home warranty options, check around for discounts and then give yourself the peace of mind that you deserve.

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