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With its subtropical temperatures and distinct beaches, Florida is both a coveted vacation destination as well as a desirable place to own a home. But as carefree as Florida living might seem, the constant heat can quickly take a toll on your home’s appliances and systems. A home warranty will help reduce repair and replacement costs for items around your Florida home as they inevitably break down over time.
From the Everglades just shy of Miami to the sugar-white sand beaches of Key West, the Sunshine State is an especially popular move for those who’ve recently retired. As a tax-free state with a cost of living only 1% higher than the national average, the affordability of Florida homeownership is just another added perk. Still, you’ll need to ensure your home’s key features can beat the heat by protecting yourself with one of the best home warranty companies in FL.
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.
Choice Home Warranty (CHW) is the best overall home warranty in Florida. Dedicated to keeping the home warranty process simple, CHW is an excellent option for homeowners of any kind — from first-timers to landlords. Even if you’ve never purchased a home warranty before and are ready to start protecting your home, you’ll have no trouble navigating Choice’s easy-to-understand plan levels and straightforward sign-up process. Choice Home Warranty has also maintained its spot at the forefront of the home warranty industry by virtue of more than 14 years of industry experience and a B rating from the Better Business Bureau (BBB).
✓ Has a fixed service fee of $80 for all repairs and replacements, which won’t change no matter how large the job is
✓ Policyholders can receive several months of free coverage by purchasing a multi-year plan (i.e., purchasing a three-year plan upfront may include six months of free coverage)
✓ Customer are matched with a customer service representative as an easy point of contact throughout their entire membership
✓New customers will receive $50 off their premium upon sign-up
X Doesn’t allow customers to customize their standard coverage beyond add-ons
Choice Home Warranty has two primary plans: the Basic Plan and the Total Plan. Choice Home Warranty is unique in that both of its policy options feature combined system and appliance coverage. The pricing of Choice Home Warranty’s plans is lower than the industry average, with the Basic Plan costing just $45 per month. Optional add-on coverage is available for items like pools and spas, roof leak repairs, and more. The required service fee from Choice Home Warranty is $85, which is about average in Florida.
Here’s a detailed look at Choice Home Warranty’s coverage:
You can also add the following riders to your policy for extra coverage:
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.
Select Home Warranty (SHW) is the most cost-effective option for Florida homeowners. Home warranties are a financial tool designed to help you save money on home-related expenses, so Select ensures that its customers aren’t stretching themselves thin for a policy. SHW has been in the home warranty industry for over a decade and boasts a B rating from the Better Business Bureau (BBB). We most recommend Select for homeowners on a tighter budget or anyone who’d like to maximize their savings.
✓ Free roof leak coverage for all new joiners (a $99 value)
✓ Offers a 30-day money-back guarantee
✓ New members will receive an extra $150 off their premium plus two bonus months of free coverage (for a limited time only)
X Claims must be filed within three days of the start of the issue
X Coverage limits are slightly lower than competing providers
Select Home Warranty offers three plans for customers in Florida to choose from. The Bronze Care plan is an appliance-only policy designed to cover items like your dishwasher or built-in microwave. Next, the Gold Care plan is SHW’s systems policy which strictly covers major home systems such as your HVAC system or plumbing. The Platinum Care plan is Select’s most comprehensive policy as it includes a combination of important systems and appliances.
We recommend the Platinum Care plan to our readers as it provides robust home protection for just $4 more per month than the Bronze Care plan. No matter the plan level you choose, Select only charges $60 for its service fee — one of the lowest you’ll find across leading providers.
Here’s a detailed look at Select Home Warranty’s coverage:
You can also include the following coverage add-ons in your policy for an additional fee:
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
For more information, read our Select Home Warranty Review.
American Home Shield (AHS) offers the most customizable home warranty plan in Florida. AHS is often recognized as the founder of the home warranty industry with over 50 years of leadership in the marketplace. AHS gives its customers more room to roam when it comes to personalizing their policies by allowing them to choose one of three service call fee options — $75, $100, or $125. This provider is also a great option for any homebuyer who recently purchased an older home in Florida, as AHS will cover appliances and systems of any age, make, or model.
✓ Covers failures due to improper installation, unknown pre-existing conditions, and lack of proper maintenance
✓ Oldest home warranty provider on the market
✓ Support 24/7 live customer service and claims processing
X Policyholders can’t choose their own technician
X Charges a $75 cancellation fee
American Home Shield is a premium home warranty provider with three plan options for Florida homeowners: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS does have slightly higher premiums than competing providers, but in exchange for extensive freedom to customize. The below monthly price points are based on the $100 service fee. The higher your selected service fee is, the lower your monthly payment.
American Home Shield offers unlimited systems coverage in all three of its plan levels and a $3,000 annual coverage limit for appliances under ShieldGold coverage. By upgrading to ShieldPlatinum, that annual coverage maximum is increased to $6,000 per appliance.
Here’s a detailed look at American Home Shield’s coverage:
You can also add one or more of the following extra coverage items to your base policy:
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.
For more information, read our American Home Shield Warranty Review.
The Home Service Club (HSC) offers the quickest home warranty coverage in Florida. Since 2008, HSC has garnered an expansive network of over 10,000 licensed repair technicians and service professionals. Above all else, HSC has gained favorability in the home warranty industry for its short 10-day waiting period, and 24-hours claim turnaround time. Most competing home warranty companies require a waiting period of one month before your coverage goes into effect, and it can also take up to 48 hours to process claims.
✓ Offers real estate home warranty coverage designed specifically for homes on the market
✓Guarantees replacements for covered items that can’t be repaired
✓All repairs or replacements arranged by HSC are covered by a 90-day workmanship warranty
X Monthly premiums are slightly higher than the industry average
X Customer have one day to submit a claim for an appliance or system breakdown
The Home Service Club has two policies for Florida homeowners: the Standard Coverage plan and the Comprehensive Coverage plan. The Standard Coverage plan spans 18 appliances and systems, whereas the Comprehensive Coverage level includes 33 items for just $12 more per month. Like American Home Shield, HSC customers can choose their desired service fee of either $60, $75, or $95. Your monthly or annual premium will vary depending on the service fee you select.
Here’s a detailed look at HSC’s coverage:
You can also add several optional coverage riders to your standard HSC plan, including:
To get a free quote from Home Service Club, fill out this online form.
For more information, read our The Home Service Club Review.
Liberty Home Guard (LHG) is the most trustworthy home warranty provider in Florida. Despite having only five years of industry experience, LHG is the only leading home warranty provider with an A rating from the Better Business Bureau (BBB). Liberty Home Guard also has around-the-clock customer service and a 90-day workmanship warranty on all repairs performed by any of their 10,000 in-network technicians. And based on verified customer reviews from current policyholders, LHG has proven itself to be a company that always works in the customer’s best interest.
✓ Base plans start as low as $1 per day
✓ Promises to have a technician dispatched to your property within 24-48 hours of receiving your claim
✓ New joiners will receive $200 off of their premium plus one month of complimentary coverage and free rook leak protection
X Premiums are slightly higher than competing home warranty providers
X Doesn’t allow customers to choose their technician
There are three base plans available from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Whereas Appliance Guard is an appliance-only plan and Systems Guard is a systems-only policy, Total Home Guard is a comprehensive home protection package that combines both for $5 more per month. For added coverage, LHG offers an exhaustive list of 41+ optional policy add-ons with several unique services like carpet cleaning and TV mounting, which you won’t find coverage for elsewhere. Liberty Home Guard charges a fair service fee of $75 flat for all its plan levels, which is slightly below the industry average.
Here’s a detailed look at Liberty Home Guard’s coverage:
You can add any of the following 41+ optional coverage riders available through LHG to your main policy:
Use the list below to find the best home warranty providers in Florida specific to your city:
The average price for a home warranty in Florida is typically between $45 and $65 a month or $480 and $780 per year. Florida homeowners will find that it only takes the cost of one or two repairs paid out-of-pocket to justify the entire cost of a year’s worth of home warranty coverage.
Aside from your monthly or annual premium, you’ll also be liable for a service call fee each time a technician is dispatched to your property for a new service request. Much like a deductible, this fee usually ranges from $60 to $125 and covers labor costs and any travel expenses incurred by your contractor.
Most home warranty companies also offer coverage add-ons for items that aren’t traditionally included in your main home warranty contract, like roof repairs or lawn sprinkler tune-ups. Each of these extra services usually start at around $3 per month and increase depending on the scope of the job.
|Home Over 5,000 sq ft||$1,294.73|
|Home Warranty Company||Choice Home Warranty||Select Home Warranty||American Home Shield||The Home Service Club||Liberty Home Guard|
|Best For||Best overall||Most cost-effective plans||Best customizable plans||Quickest service||Most trustworthy|
|Average Cost||$45 – $53||$56 – $62||$34 – $64||$50 – $62||$70 – $80|
|Service Fee||$85||$60||$75, $100, or $125||$60, $75, or $95||$75|
|Annual Limit||$3,000 per standard item; $250-$500 for add-ons||$500-$3,000 per standard item; $400 for add-ons||Up to $6,000 per standard item; $1,500+ for add-ons||$500-$2,500 per standard item; $500-$2,000+ for add-ons||$2,000-$2,500 per standard item; $250-$500 for add-ons|
|Average Response Time||Up to 48 hours||Up to 48 hours||Up to 48 hours||Within 24 hours||Within 24 hours|
|State Availability||Not available in WA||Not available in WA, NV, WY, or NM||Not available in Alaska||Available in all 50 states||Not available in WA, WY, or WI|
|Online Chat / Mobile App||Yes||No||No||No||Yes|
|Quote||Get Quote||Get Quote||Get Quote||Get Quote||Get Quote|
Air conditioning units, whole-house ductwork, and ceiling fans are just a few of the many items Floridians need to keep at the top of their routine maintenance checklist, especially during the summer months. Yet even with regular tune-ups, any appliance or system can hiccup or fail without notice. With a home warranty in your back pocket, you’ll save thousands of dollars on repair costs and have a professional, pre-screened service technician en route just hours after your claim is filed.
All in all, we recommend Choice Home Warranty to both first-time and seasoned homeowners residing in Florida. With two base plans that offer combined coverage, you’ll be getting the most out of your policy even if you sign up for the lower level policy. New joiners will also get an additional $50 off their premium plus one month of free coverage when they opt to pay annually for a limited time.
Though we’ve only featured elite home warranty providers in this guide, not all five will necessarily be an automatic fit for your home and coverage needs. As you continue comparing different companies, consider the following pointers in order to find the most compatible Florida home warranty for you:
A home warranty is a service contract that agrees to cover necessary repairs and replacements for your home’s essential systems and appliances as they break down due to normal wear and tear, all for a set monthly or yearly payment.
Most home warranty providers cover a similar spread of standard inclusions but still read any service provider’s sample policy closely to ensure you’re not missing out on coverage that you assumed was included. Customers who wish to take their home warranty plan one step further can usually add several coverage riders to their policy at an additional cost.
Though home warranties are a home protection product, they don’t cover the same damages as home insurance. Likewise, a home warranty is an entirely optional agreement, whereas homeowner’s insurance is typically required for any Floridians with a mortgage.
Though home warranties are a home protection product, they don’t cover the same damages as home insurance. A Florida home warranty is designed to help homeowners access inexpensive and instant servicing for the age-related deterioration of certain household appliances and systems. On the other hand, home insurance is meant to protect your house and other personal assets from more catastrophic events like hurricanes, tornadoes, flooding, and even theft.
It’s important to understand that the two different areas of coverage offered by a home warranty and a homeowner’s insurance policy will never overlap. In other words, your home warranty plan won’t cover you for roof repair if a tree falls on your home, but home insurance will. Likewise, home insurance won’t assume the $3,000 bill for an HVAC repair, but your home warranty will.
A home warranty is also an entirely optional agreement, purchased voluntarily by the homeowner Lenders typically require homeowner’s insurance for any Floridians with a mortgage.
Using your home warranty benefits to cover your Florida home works no differently than if you lived in any other state. Here’s an overview of how the process works so you have a general understanding of what to do when it comes time to request service for your home:
Though most leading providers offer similar standard inclusions, they’re certainly not identical. Still, the vast majority of companies will generally cover the following appliances, systems, and policy extras:
Exclusions vary just as much between providers as their inclusions. Most home warranty companies, however, will not cover the costs of damages related to:
Reducing your chance of a claim denial begins with ensuring you’ve signed up with a credible and financially secure home warranty provider. While they don’t define the industry as a whole, a handful of shoddy companies out there are notorious for slapping down customer claims once they’ve paid their premium.
Again, instances like that are still far and few between. Among reputable home warranty providers, the most common negative complaint from current customers in Florida seems to surround inadequate technicians. While many home warranty providers only dispatch technicians from their exclusive network of vetted technicians, this doesn’t always guarantee your contractor’s maintenance approach or quality of work.
Technicians are human. To ensure that any potential mistakes won’t result in repeat service call fees, prioritize finding a home warranty provider with a workmanship guarantee. For example, all repairs or replacements approved by Choice Home Warranty are insured for 90 days after the service appointment. Any issues within those first three months will be addressed at no cost to you.
Investing in a home warranty for your home imparts the peace of mind that you won’t owe thousands or have to wait weeks for service when a major system or appliance breaks down on you. Specific to Florida homes, issues like water damage, insufficient drainage, and roof leaks are something you need to anticipate due to the state’s low sea level and heavy wet seasons.
Though we recommend home warranties for all Floridian homeowners, they’re an excellent idea for investors with vacation rentals in FL. Because home warranties will handle all the clerical work like recruiting and dispatching a technician, the repair process is almost entirely hands-off, which is ideal for landlords who can’t be onsite with the tenant to organize maintenance.
According to Micheal Stimpson, owner and manager of Snowflake Air, in the instances of, say, a broken air conditioning unit, the amount homeowners “would pay directly to an HVAC company would be significantly higher than what they would pay for their home warranty, depending on the type of repair required.”
To put that into perspective, given that the national average for 12 months of home warranty coverage costs $600 and the average cost of HVAC repairs is $347, two annual tune-ups would’ve paid off your home warranty premium with some money left to spare.
A Florida home warranty costs between $45 and $65 a month. The pricing of your plan is determined by where you live, the additional coverage on the plan, the plan choice, and sometimes the service fee as well.
No. A home warranty is not required in the state of Florida in the same way that home insurance can be. Even if not mandatory, a home warranty fills many large coverage gaps left behind by your home insurance policy.
Tacking swimming pool and spa coverage onto your standard home warranty policy is typically possible with most home warranty companies on our list. This extra coverage option often covers the costs of motor, pump, or filter issues for in-ground pools and spas.
Based on our research, Choice Home Warranty is the overall best home warranty provider in Florida. With a solid history in the home warranty industry, an excellent customer service reputation, and fair pricing, Choice makes protecting your Florida home hassle-free.
First-time home buyers, property sellers, landlords, and long-time homeowners are all eligible for home warranty plans. Thoroughly review all policy options before you make your choice to be sure you’re getting the best deal and coverage. Also, take into consideration your location. Home services needs on the coast in Miami will be different from the needs of homes in Orlando.
A Florida home warranty is worth the money because it helps protect against unforeseen expenses. If you are worried about your budget and your ability to keep your home in good working order, the Florida home warranty can help. For a fair monthly price, home warranties take away a good bit of stress from the homeownership process.
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:
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