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4 Best Home Warranty For Veterans

As a veteran, you have spent your life serving the country and sacrificing so that you can own the perfect home. The last things you want to be responsible for now are faulty appliances and home systems that are not functioning as they should.

Homeownership and living in one chosen location is one of the better parts of being a veteran; however, there are always downsides to owning a home. If you are new to homeownership or have been in it a while, a home warranty is a smart choice to consider.

Let’s take a look at some of the best home warranty options for veterans and which ones are the best for you. We have analyzed and reviewed over 40 companies to select our top four choices.

What Is A Home Warranty For A Veteran?

A home warranty is a bit different than homeowners insurance. Many people get these two terms confused, but there are some significant differences. A homeowners insurance policy is in place to protect you from large disasters and issues. For homeowners insurance, you have liability protection, protection from a fire, or even a hurricane. These catastrophic type events would rarely be recoverable, but the homeowner’s insurance steps into place to handle it.

A home warranty is a bit different. The home warranty is going to protect the appliances and systems of your home. For instance, if your air conditioning goes out in the middle of the summer, or you have company coming to town and your stove breaks. These issues can be a problem because they impact the day-to-day functionality of your home.

With a home warranty for veterans in place, if you should have an appliance or a system go down, a qualified service provider or service technician will come to the home to fix the issue for you. You will have an easier time trying to budget for these unforeseen issues and have some peace of mind that your home will function day in and day out.

Do All Veterans Need Home Warranty Coverage?

Choosing a home warranty policy is a personal decision. Not all veterans are going to feel as though a policy like this helps them. There are some people that believe fixing appliances themselves or saving for repairs and breaks is a better solution for them. However, it’s going to be hard to argue against some of the impressive benefits of a home warranty.

Many veterans are living on a budget based on their benefits and retirement plan. Although these budgets tend to be quite fair, as you may imagine, adding a $2000 air conditioning repair could make the monthly budget a bit tight.

With a home warranty, you will pay an agreed-upon amount each month to keep your policy going. This amount is generally quite easy to budget for and can help to make it less stressful when large expenses come up. Veterans should consider purchasing a home warranty to ensure that their new home or old home stays in good shape for years to come.

What Does A Home Warranty Plan Cover?

As we mentioned, the home warranty is a bit different than homeowner’s insurance. There are two main things that a home warranty plan will cover. The first is home appliances, and the second is home systems. The home appliances are things like your refrigerator or your stovetop. The systems can include anything from your water heater to your well pump.

When you start shopping for a home warranty, you will notice that there are many different options out there. These options are going to vary in price and in their coverage choices as well. Some companies offer comprehensive coverage, while others allow for just a basic plan.

Depending on your budget and the types of appliances or systems you have in your home, your plan may differ slightly. The bottom line is, home protection is important, and a home warranty will help protect the most important and functional assets of your home, like:

Home Appliances

  • Garbage disposal
  • Icemakers
  • Refrigerator
  • Oven
  • Clothes washer
  • Clothes dryer
  • Dishwasher

Home Systems

  • Electrical systems
  • Ductwork
  • HVAC Systems  
  • Heating systems
  • Plumbing systems
  • Central vacuum

How Does A Home Warranty For Veterans Work?

If you have never had a home warranty plan in the past, it is important to understand what goes into these plans and how they work. Since the plans are built a bit differently than homeowners insurance, it pays to know how this all works.

Establish A Plan

The first part of this process is to put a plan in place. You must contact a home warranty company, talk to them about plan options, take a look at a sample contract and get your plan in place. If your plan is in place, you usually will have about a 30 day waiting period before you can start reporting stoppages or breaks in your systems or appliances. When you sign up for your home warranty policy, no pre-existing issues will be considered.

Issue In The Home

When a problem comes up that was caused by normal wear and tear or aging of a product; you can use your home warranty plan. If you have broken something like a ceiling fan or cooktop intentionally or by your own misuse, then your plan is not going to cover it. As long as this issue came up as no fault of your own, you can contact your home service, warranty provider.

Service Provider Contacted

When you contact the home warranty provider, they will give you an estimate on the time frame to expect a repair. They will also discuss the pricing of your service fee, which will determine how much the home repairs are going to cost you. Most of the time, these service fees range from $60-$150. The service fee will be established and agreed upon before signing up for your plan.

Repeat Service If Necessary

If for some reason the repair person could not complete the repair, or they found that your appliance needs to be replaced, you will be able to do so at this point. If repeat service is necessary, you will not be charged extra service fees for the same issue.

Options & Limits

When you have an appliance or a home system that has a major issue, you may have to choose whether or not you want to replace it. Many home warranty plans will cover replacement costs as long as they are within a certain limit.

If your new appliance or system goes above the cost of the limit, you will just pay the difference. The bottom line is that your overall out-of-pocket costs will be considerably less when you have a plan like this in place.

How Much Does A Home Warranty Cost?

Of course, one of the most important factors that veterans and all home buyers want to know is how much the warranty plan is going to cost. Of course, if this is something that does not fit in the budget, it can’t be considered. The average price for a home warranty plan for a veteran is going to be anywhere from $40 to $60 per month.

The price will go up and down based on the additional coverage options and the type of plan that you choose. A platinum plan and a simple appliances plan are probably going to be much different in price.

The Four Best Home Warranty Companies For Veterans

Veterans are going to have the option of many different home warranty plans. Some of these plans are going to offer a discount for military personnel and veterans. When you decide on the right plan for your home, you should always ask about discounts for veterans. Sometimes a real estate agent that works with other veterans will have some ideas for you on how to save money. Below, we’ve outlined four of the best home warranty options for veterans.

Top Choice: Choice Home Warranty

Editor's Choice

  • 2 plans available + optional add-ons
  • Has over 10 years of industry experience
  • 90-day repair guarantee
  • $36–$44 per month

The best home warranty for veterans is the Choice Home Warranty policy. With Choice Home Warranty, you will be getting a premium policy with lots of coverage options on major appliances and major systems.

Choice Home Warranty keeps things very simple, offering a Basic Plan that will be more affordable and offer minimal coverage and a Total Plan that is really like a combo plan with comprehensive coverage. The Choice Home Warranty plan does a great job of laying things out for customers to see and keep the options as straightforward as possible.

The Choice Home Warranty customer service is very responsive, and they are really good at handling any issues that may come up. With the Choice Home Warranty, there are policy limits up to $1500. This is pretty high and considered to be a good range for most repairs that you would experience.

Even before a veteran discount, the Choice Home Warranty plan’s pricing is going to be quite a bit more affordable than other options on the market. If you are new to a home warranty plan and you want a solid and reliable entrance to the market, Choice is a good option.

What We Like

  • Plan layout is very straightforward
  • Repair personnel are dispatched quickly
  • Online system for submitting a claim
  • Reasonable service call fee
  • Optional coverage choices

What We Don’t Like

  • No real ability to change the plan options

Read our full Choice Home Warranty review for more.

Runner Up: American Home Shield

Best customizable plans

  • 4 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
  • $50–$55 per month

One of the most important things we look at when we do a home warranty review is whether or not the company pays out when issues occur. It’s one thing to collect money from customers; it’s another thing to put up the money when an issue occurs. With American Home Shield, you will have no concerns about whether or not they will have your back when an issue occurs.

American Home Shield has paid out millions of dollars for the customers that have their systems plan or appliances plan in place. They will truly make sure that your home is in working order before they consider a job complete.

American Home Shield has established relationships with over 15,000 qualified contractors throughout the country. These contractors are known for high-quality service, and they will make sure that issues get fixed in a timely matter.

Another really important thing about the American Home Shield plan is the ability for customization. There are many optional add-ons, the ability to customize your service call fee, and essentially build the plan that you need. Having this type of maneuverability and control of your home warranty is nearly unheard of.

What We Like

  • Comprehensive coverage options
  • Ability to customize a plan
  • Known for high-quality contractors
  • Can cover everything from garage door openers to sump pump

What We Don’t Like

  • The American Home Shield warranty is priced a bit higher than others; service members should look for a discount when choosing this plan

Read our full American Home Shield review for more.

Best Value: Select Home Warranty

Most cost-effective plans

  • Provides free roof leak coverage
  • Has optional septic system coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Get 2 extra months free when you sign up today

If you are on the fence about whether or not a home warranty is a good choice for you, it likely will come down to the cost. If you can find something that has a fair cost, then you will likely go for it. This is completely understandable, and it is why you will want Select Home Warranty as your next plan.

Select Home Warranty is one of the best values when it comes to home warranties for veterans. There are a few areas of the policy where you will notice the coverage is a bit thinner than other companies, but the difference in price could make this worth it for you.

One of the great things about Select Home Warranty is that the premier plan will cover a roof leak at no additional charge. This is something that not even the top home warranty company will do. If you have a larger issue come up and need a complete replacement, chances are you will become a bit more out of pocket when you have the Select Home Warranty in place.

Overall, customers tend to be very happy with the coverage they get with Select. The optional add-ons and basic plan options give most veterans exactly what they need from a plan.

What We Like

  • One of the most affordable home warranty plans for veterans
  • Roof coverage comes with the premium plan
  • Has good optional coverage choices

What We Don’t Like

  • Contractor network has some mixed review
  • Lower limits for expensive repairs and replacements

Read our full Select Home Warranty review for more.

Great Customer Service: Amazon Home Warranty

Best for add-ons

  • 3 plans + optional add-ons
  • Provides customers with one month free of coverage
  • Has a network of more than 10,000 licensed technicians
  • $29–$46 per month

All of the options on our list have some benefit that sets them apart from the rest. The Amazon Home Warranty is going to be the younger, more modern, and more technologically advanced of the four companies. Amazon Home Warranty is really easy to work with, they have great customer service, and they seem to know how to keep customers happy.

The Amazon Home Warranty is a bit younger than some of the other warranty companies on the market, but they have a large network of contractors located all over the United States. You will have very simple guidelines and procedures to follow with this company and no issues getting your coverage up and running.

What We Like

  • Solid coverage options
  • Amazon home warranty offers to add on coverage choices
  • Very high-quality customer service

What We Don’t Like

  • Some negative reviews from a customer regarding contractors

Read our full Amazon Home Warranty review for more.

How To Find The Best Home Warranty Companies For Veteran

All four of our best home warranty options for veterans are great choices. Narrowing down which one is the best for you can take a bit of work. Here are the considerations you should make before ultimately deciding on the best option.

Location

From Alaska to Hawaii, to California to New York, there are hundreds of home warranty companies. Some of these options are locally based, and others will cover areas across the entire country. The first part of this process is to see what is offered in your area. Once you know which companies can help those that live in your state, you can then start trying to narrow them down a bit more.

Systems and Appliances In Your Home

Before purchasing a home warranty, start to take a look at some of the things that you use the most in your home. For most people, something like an air conditioner or a septic system is going to be extremely important from a coverage standpoint. Maybe you don’t need your garage door opener or microwave covered. Put together a list of the things that matter the most, and compare that list to the coverage options of the companies that you think would be the best fit for you.

Better Business Bureau

There are many factors that go into a Better Business Bureau rating. Not all of these factors are going to be something you need to consider. However, having a general idea of how the company is performing, according to the BBB, is a smart choice. Don’t let the BBB rating be the only deciding factor of your home warranty choice.

Plan Choices

Find something that has the plan choices you need, if you don’t need a comprehensive plan, that is great, but sometimes the basics may not be enough. A company like American Home Shield has lots of options that is a good place to start.

Service Contract Simplicity

When you look at your home warranty service contract, you will want to be able to understand it rather easily. If the contract is overly complicated and it does not clearly lay out the fine print, it’s a good idea to stay away. When you have an issue that comes up, you will need a simple and clear solution.

Portability of Plan

Being a veteran or active military, there could be a chance that you will move from one state to another. Some plans will transfer with you and make it quite easy to secure in the new location. This is something that is worth looking into when deciding on a home warranty plan.

Military Discount

There are military discounts available through the USAA. You can use some of these to get a better deal on a home warranty. If you are not sure if the discounts will apply, it is always worth calling the customer service line and seeing how they will help you.

Frequently Asked Questions

Now that you are an expert in the best home warranties for veterans let’s take a look at some questions that tend to come up. These questions are asked by both new homeowners and those that are just new to the world of home warranties.

How Are Homeowners Insurance and Homeowners Warranty Different?

Homeowners insurance is going to cover major issues and natural disasters. Should a hurricane rip through your town, you are going to need a homeowners insurance policy to help you rebuild and secure your home.

A home warranty is a way to protect against large expenses incurred by fixing and replacing appliances and home systems. With a home warranty plan, you can choose the appliances and systems covered, and you will simply pay a service fee each time you need something handled.

Will A Home Warranty Cover A Rental Property?

Many veterans have rental properties. These properties are acquired through the years as military personnel travel from one assignment to the next. If you have a rental property in another state and you are worried about maintaining it properly, a home warranty is a great idea.

If the property is rented and you are making income from the rent, you can use that income to help you cover the costs of the home warranty policy. This is a great way to give veterans peace of mind when they can’t always be there to handle an issue with a tenant themselves.

Is There A Military Discount for A Home Warranty?

Each company is going to have its own policies when it comes to military discounts. It is always a good idea to talk to the customer service representatives and let them know that you are a veteran. It is also smart to check with USAA to see if they have any options or ways to help you save some money on your home warranty plan.

There is, however, no standard military discount across the board for a home warranty company. You will have to do a bit of research to scope out the best deal.

Should Active Duty Military Consider A Home Warranty?

If you have not quite reached veteran status just yet, you may be wondering if a home warranty policy would be a good idea for you. Home warranty policies can make a lot of sense for the active-duty military.

Sometimes with traveling and assignments, there is not nearly enough time to fix things like a faulty clothes dryer. Having a warranty in place can ensure that both you and your family are able to fully use and enjoy your home day in and day out.

Can You Get A Home Warranty While You Have A VA Loan?

A VA Loan typically gives a veteran or active duty military a great deal on a loan for their home. These loans are not available to all people, and they should be taken advantage of whenever possible.

With the money you save on your VA loan, you should seriously consider getting a home warranty policy. Spending a few extra dollars a month can mean having more funds available long-term to pay down your loan and eventually have no mortgage.

Is A Home Warranty For Veterans Worth It?

Now that you have a very thorough understanding of how a home warranty works, how much it costs, and which companies are the best, the question to ask is whether or not this warranty is worth it? Does a home warranty for veterans pay off in the long run?

There are a few factors that you need to consider when deciding if a home warranty is worth it. The two most important are your current budget and your savings. If you have large savings and you don’t mind spending it on things like air conditioning repair or a broken stovetop touch plate, then you may as well skip out on the home warranty.

If you would like to use your savings for other things, then you may want to consider the benefits of the home warranty for veterans. If you can afford the reasonable monthly expenses and the agreed-upon service call fees, the veterans home warranty is a smart choice.

For those that want to enjoy their years of being a veteran and 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 veteran discounts and then give yourself the peace of mind that you deserve.

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