Updated Nov 10, 2022
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As a veteran, finally owning a home in the country you spent your military career defending is undoubtedly a rewarding milestone to arrive at. But navigating homeownership isn’t always a linear experience. This is especially true for newly retired veterans trying to finance a home while simultaneously shifting back into civilian life.
We’ve queued up our research-backed recommendations for the best home warranties for veterans, highlighting coverage that boasts military discounts and other policy benefits exclusively for active and former members of our armed forces.
Despite VA assistance programs and low-interest home loans, veterans still need to be prepared to work maintenance costs for their home’s major appliances and systems into their budget. The right home warranty plan can save veterans thousands of dollars per year should their home appliances or systems stop functioning properly.
Our in-house team of home services experts evaluated 40+ reputable home warranty companies for cost-effective coverage and veteran-specific promotions, narrowing down the list to the following five providers:
Choice Home Warranty (CHW) is a tried and tested option for veterans searching for catch-all home appliances and systems protection at a reasonable rate. CHW splits its coverage into two easy-to-understand base policy levels — Basic and Total.
New enrollees who sign up for either plan will get an additional $50 toward their premium plus one month of free coverage. Veterans will also receive an extra 20% off* through Choice’s military discount but must provide proper identification and proof of service to access these benefits.
Veterans can also transfer their CHW coverage between addresses for $0 should they ever decide to move again post-service.
Choice Home Warranty is available in 49 states and Washington, D.C., excluding WA.
*State-specific limitations may apply.
Get a free quote from Choice Home Warranty by filling out this online form or calling 929-400-6164.
Visit our complete Choice Home Warranty review for more information on this company.
We’ve ranked Select Home Warranty (SHW) as the most cost-effective home warranty carrier for its stacked seasonal promotions and a service call fee of only $60.
While Select doesn’t currently offer a military discount, veterans and other new joiners are eligible for an extra $150 off plus two months of free home protection and complimentary roof leak coverage at sign-up.
Veterans who choose Select will also have access to an unlimited number of covered home repairs and replacements. There is, however, an annual cash limit of up to $2,000 depending on the item being serviced. Any maintenance work covered by SHW is guaranteed for 90 days following the service appointment.
To get a free quote from SHW, fill out this online form or call 888-370-3953.
Check out our Select Home Warranty review for more details.
Serving homeowners across the U.S. since 1971, American Home Shield (AHS) is a veteran of the home warranty industry itself. While there are no American Home Shield military discounts at this time, it still provides incredibly versatile coverage perfect for veterans looking for a made-to-order policy. However, AHS partners with Operation Homefront to offer free home warranty appliance coverage on the mortgage-free homes the non-profit provides to veterans and their families.
American Home Shield offers three different standard coverage levels. Its most comprehensive plan, ShieldPlatinum, includes an exhaustive list of home appliances and systems, plus free roof leak repairs, free HVAC tune-ups, unlimited A/C refrigerant, and coverage for construction permits.
AHS also gives its customers the option to choose from three service call fees of $75, $100, or $125. Veterans who prefer a higher service call fee will benefit from a lower monthly or annual premium, and vice versa.
American Home Shield is available in 49 states and Washington, D.C., but not Alaska.
For a free quote from AHS, fill out this online form or call 888-365-2839.
Learn about this provider by visiting our full American Home Shield review.
As one of the few home warranty companies with an A rating from the Better Business Bureau (BBB), Liberty Home Guard (LHG) offers systems and appliance coverage that veterans can trust.
Liberty Home Guard categorizes its coverage into an appliance plan, a home systems plan, and a combination package that integrates both. New joiners who sign up with any of these policy levels will be rewarded with their first month free, plus an additional $200 off, and complimentary roof coverage.
LHG does offer a military discount, though the rate varies by state and your specific level of coverage. You’ll need to generate a free quote or speak with a live representative for an exact discount estimate.
For a free quote from LHG by filling out this online form or by calling 866-451-2281.
Read more about this home warranty company in our Liberty Home Guard Review.
Covering new customers after a waiting period of just ten days following initial enrollment, The Home Service Club (HSC) offers some of the quickest coverage among all leading home warranty companies.
HSC keeps its coverage simple yet still robust by offering two main policies — the Standard and Comprehensive Coverage Plans — plus a one-of-a-kind real estate home warranty plan for properties currently listed on the market.
The Home Service Club’s main plan options have a few unique inclusions that aren’t often seen as standard coverage items, like alarm and telephone wiring, smoke detectors, doorbells, and more.
Fill out this online form or call 800-842-9334 for a free quote.
For more information on HSC, visit our The Home Service Club review.
A home warranty is a service contract designed to help homeowners offset the costs of servicing essential home systems and appliances as they break down over time.
Unlike homeowners insurance, home warranties aren’t required for veterans with a VA loan. Yet, while optional, a home warranty protects your home in areas that standard home insurance doesn’t oversee.
Home insurance offers liability protection from more catastrophic events like hurricanes, tornadoes, fire, and even theft. It won’t cover damage due to normal wear and tear on your home. Home warranties, however, cover a broad range of repair and replacement services for age-related deterioration around the home.
Though both home insurance and home warranties are technically a form of insuring your property, the key difference is that a home insurance policy covers your home from unforeseen losses, whereas a home warranty is a protection plan for inevitable maintenance issues.
Despite the immense savings opportunities and peace of mind that home warranties can offer, choosing to invest in one is ultimately a personal decision.
For veterans, establishing financial security during the transition back into civilian life is understandably challenging. Many veterans live on a budget based on their VA benefits and retirement plans. And although these financial assistance options extend some support, adding a $2,000 air conditioning repair bill to the mix certainly doesn’t help out.
With a home warranty, you’ll pay a fixed amount each month or year, whichever is most compatible with your budget, to keep your access to discounted and convenient home maintenance open.
Whether or not a home warranty is right for you will also depend on the age of your home and appliances. Most home warranty providers offer coverage for appliances of all ages. Still, if you recently had an item installed, it may be covered by a manufacturer’s warranty for a year or two. A home warranty covers far more than just that one item anyway.
As we’ve mentioned, a home warranty plan covers your home’s major systems and appliances, guaranteeing that you’ll have access to affordable and reliable maintenance should an item ever stop working due to natural overuse.
When you start shopping for a home warranty, you’ll notice an overwhelming number of coverage options and package types out there. Premiums and plan diversity vary from provider to provider.
The right home warranty for you will depend on your budget and the types of appliances or systems you have in your home. The bottom line is home protection is important, and a home warranty will help insure functional assets of your home, like:
|Home Appliances||Home Systems||Common Add-Ons|
Garage door openers
|Pool and spa|
Limited roof leak
from our #1 home warranty warranty provider
The average cost of a standard home warranty without any policy riders is about $40 to $60 per month or $480 to $720 per year. However, veterans and active-duty service members can usually receive up to 20% off their premiums when they sign up with a home warranty provider offering a military discount.
Beyond your monthly or annual premium, you’ll also be charged an out-of-pocket deductible called a service call fee. In the event that you need to file a claim, you’ll be asked to provide this upfront payment to the in-network technician that your provider dispatches to assess the issue you reported. Service call fees typically range between $60 and $125, occasionally varying based on your ZIP code.
If you’re new to home warranties, it’s essential to familiarize yourself with the claims process ahead of time. That way, if you ever need to use your benefits, you’ll know exactly where to start.
The first step in protecting your home’s essential systems and appliances is locking in a home warranty plan that best accommodates your budget and coverage objectives. Remember, home warranties are only designed to cover items in good condition at the start of your contract. No home warranty provider will cover appliances or systems with pre-existing issues.
Let’s say the 20-year-old refrigerator in your kitchen finally conks out, and now you need a replacement as soon as possible. So long as the fridge stopped working due to normal wear and tear, your home warranty plan will likely cover it.
To initiate the resolution process, you’ll need to either call your service provider or submit a claim online. Though most home warranty companies offer 24/7 customer support centers, it can still take up to 48 hours for your claim to be reviewed and verified.
Before any repairs or replacements are made, your home warranty provider will set up a time for a licensed contractor to come out to your home to troubleshoot and assess what might’ve gone wrong with your refrigerator. The technician will also draft up an estimate for the cost to repair or replace your fridge, which they’ll report back to your provider with.
The service call fee mentioned in your contract will be due at this initial appointment, so be sure to have that on hand.
Promptly following that diagnostic appointment, your provider will schedule the service visit where your fridge will either be repaired or replaced, whichever is more realistic. If a new fridge costs less than ordering new parts and attempting a repair, your provider will likely just replace your fridge. All covered expenses must remain under your annual coverage limit, or else the remainder will be left to you to cover.
No. A home warranty is not required with a VA loan in the same way home insurance is, but it’s still a beneficial financial tool for veterans trying to keep homeownership costs low.
If you haven’t quite reached veteran status just yet, you may wonder if a home warranty policy would be a good idea. Home warranty policies can make a lot of sense for the active-duty military.
Ahead of deployment, it’s unlikely that fixing a broken appliance or system in your home is a top priority for you. Using your home warranty coverage not only gets the job scheduled and repaired with limited work on your end, but it also ensures that prompt, low-cost maintenance is always an open option if any other breakdowns occur while you’re away.
Each home warranty company has its own policies when it comes to military discounts. It’s always wise to talk to a customer service representative ahead of sign-up for more information on any discounts available to veterans and how those apply to you.
Many veterans have rental properties, usually acquired over the years as military personnel travel from one assignment to the next. If you have a rental property in another state and are worried about maintenance costs, a home warranty is a great idea.
For veterans who are also landlords, a home warranty is a smart way to ensure their property remains in working condition when they can’t be there to handle an issue with a tenant themselves.
Homeowners insurance covers instances of catastrophic damage (hurricanes, flooding, fires, etc.) that affect your property and belongings. On the other hand, home warranty policies protect you from the costs of fixing and replacing appliances and home systems that have stopped working with age.
Why Trust House Method
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.
Homeownership has long been recognized as a fundamental feature of the American Dream. And for retired service members who spent the larger part of their enlistment deployed and constantly shifting between different bases, living in one chosen location is one of the better parts of being a veteran.
Once you’ve secured a home, the expenses of responsible homeownership have just begun. The longevity of your home’s appliances and systems can be preserved through routine maintenance, but eventual hiccups are only natural. It’s in the best interest of any homeowner’s budget, veteran or not, to have a home warranty on the back burner for when something does go wrong.
At House Method, transparency and trust are our most important values for the reader. 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.
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 ensure no detail was left out.
To make the most of our research, we developed an objective rating system to score each home warranty company based on the following criteria: