Best Home Warranty Companies in Florida (2022)

The number of homeowners that live in Florida continues to increase each year. Something about the warm weather, outdoor entertainment, beaches, and golf brings lots of homeowners to the state. As carefree as Florida living can be, Florida homeownership can bring up its fair share of issues. If there are unexpected repair or replacement expenses, a home warranty will help reduce the costs and make it easier for homeowners to budget. However, when it is time to narrow down the best home warranty companies in Florida, it can be overwhelming. In our guide featuring the best home warranty companies in Florida, we will give you information on:

• How to choose the best Florida home warranty 
• What a Florida home warranty will cover
• What companies offer the best warranties for Florida homeowners 
• and much more . . .

A home warranty is a protection plan for the appliances and systems in your home. With the extreme Florida climate, there can be quite a few issues with appliances and systems in the home. Having a home warranty in place is the best way to avoid these issues. If you are looking to try and make sure your Florida home is adequately protected, keep reading this guide. 

The Top 5 Home Warranty Companies in Florida

We rated the best home warranty companies based on pricing, coverage options, workmanship guarantee, customer reviews, and more. Here’s how the service providers ranked:

1. Choice Home Warranty: Best Overall
2. American Home Shield (AHS): Best Customizable Plans
3. Select Home Warranty: Most Cost-effective Plans
4. Liberty Home Guard: Most Trustworthy
5. First American Home Warranty: Best Appliance Coverage

Compare the Top Providers

1. Choice Home Warranty

Choice Home Warranty is the best overall home warranty in the state of Florida. One of the things that Choice Home Warranty does best is they help make the home warranty process simple and straightforward. If you have never purchased a home warranty and are ready to start protecting your home, the plans are easy to understand, the sign-up process is a breeze, and Choice rarely says no to a homeowner who wants coverage for their home. Choice Home Warranty has more than 13 years in the industry and a BBB of a B. This is one of the most respected home warranty companies in the industry. 

The Choice Home Warranty options consist of two plans. Each of the plans is a combo or comprehensive plan covering both systems and appliances. The Total Plan is the most popular choice covering air conditioning, heating systems, laundry room appliances, and more. For Florida residents, HVAC coverage is a must. If your Florida home has some unique features that also need coverage under warranty, Choice Home has a great selection of optional or add-on coverages to customize the plan. 

The add ons to the Choice Home Warranty plan include: 

• Central vacuum
• Limited roof leak
• Septic system
• Septic tank pumping
• Sump pump
• Well pump
• Pool/Spa
• Second refrigerator
• Standalone freezer

With all Choice Home Warranty plans, there is an $85 service fee. The fee is considered quite fair and about average when compared against other competitors. The low monthly fee charges for the Choice plan help to make it overall much more affordable. 

Whether you are new to Florida homeownership or have been around for thirty years, the Choice Home Warranty plan is simple and easy to work with and can help you start saving quite a bit of money on home repair and replacement costs.

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

For more information, read out Choice Home Warranty review.

2. American Home Shield

American Home Shield is the most customizable plan in Florida. Each Florida home has its unique benefits and features and having a plan that suits the home is essential. American Home Shield has more than 50 years in the industry. During this time, they have put together a strong group of service technicians and contractors. The American Home Shield plan is known for being a more premium coverage option. The way they handle customer service, repair issues, and speed and quality of service really sets the American Home Shield plan apart. 

There are three plan options from American Home Shield for the home warranty plans. The lowest price choice is a system-only plan that covers just a few of the systems in a home. The other two plans, ShieldGold Combo and ShieldPlatinum Combo are comprehensive coverage options with both systems and appliances covered. The American Home Shield plans can be customized using the additional add-on coverages or by simply building out your home warranty plan. 

Some of the add on coverage that you can get with American Home Shield includes: 

• Electronic extended warranty
• Pool and spas
• Well pump
• Septic pump
• Guest unit
• PC and TV

The service fees on the American Home Shield plan range from $75-$125. If you want your service fee to be on the lower end of the range, you will have to increase your monthly payment price. This is just another way that American Home Shield allows for plan customization. 

The American Home Shield brand and reputation is perhaps one of the strongest in Florida. There are many reasons why AHS has been a trusted provider in the industry for more than 50 years.

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

For more information, read our American Home Shield review.

3. Select Home Warranty

Select Home Warranty is the most cost-effective option for Florida homeowners. Saving money on home-related expenses is the major reason behind investing in a home warranty plan. With Select Home Warranty, you will not only protect yourself against expensive repair costs, but you will also pay a very fair monthly price. Select Home Warranty has almost ten years in the industry. They are known for having incredible workmanship and a long guarantee window on any repair. For a cost-effective way to help protect your budget and your home, Select is a smart choice. 

There are three Select Home Warranty plans that Florida homeowners can choose from. One plan will target appliances, or systems, and then the Platinum Care plan is a comprehensive coverage choice that will take care of both. Each of the three plans comes with free roof leak coverage as part of the Select Home Warranty company policy. In addition to this free roof leak coverage, there are some paid additional coverages that you can add to customize your policy. 

The add ons or options coverages from Select Home Warranty are:

• Pool
• Spa
• Septic system
• Well pump
• Sump pump
• Lawn sprinkler system
• Roof leaks
• Central vacuum
• Stand-alone freezer

Select Home Warranty has one of the lowest service fee prices in the industry. At $60, you will be impressed with the overall affordability of this plan. 

Select Home Warranty makes the decision to purchase a home warranty an easy one. If you are new to homeownership and unsure if these costs will justify themselves long term, Select will quickly allow you to see the benefits of having a home warranty in place. This is one of the most affordable and easiest to work with companies on the market.

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 for more information.

4. Liberty Home Guard

Liberty Home Guard is the most trustworthy home warranty in Florida. With only two years in the industry, Liberty Home Guard is still in its growth state. However, in the last two years, to go from non-accredited to an A rating with the BBB, Liberty Home Guard is doing something right. Being a new company, the systems and procedures that are in place are modern and customer-friendly. Liberty Home Guard has proven to be a very easy company to work with. 

Similar to Select Home Warranty, the Liberty Home Guard policies feature a systems plan, appliances plan, and a combination plan. Each of the plans offers a broad range of coverage suitable for most Florida homes; however, if your home has unique characteristics, there is a large list of options or add-on coverage choices for Florida homeowners. 

The add-on coverage from Liberty Home Guard is one of the most extensive in the industry and includes things like:

• Pool and spa
• Additional spa
• Saltwater pool
• Gutter cleaning
• Floor/carpet cleaning
• Sump pump
• Fixtures
• Water softener
• Trash compactor
• Lawn sprinkler system
• Electronics protection
• Swamp cooler
• Ejector pump
• Septic system pumping
• Limited roof leak
• Pest control
• Locksmith
• Free-standing ice maker
• Central vacuum
• Stand-alone freezer
• Re-key
• Second refrigerator
• Wine refrigerator
• Well pump
• TV and PC
• Generator
• Water dispenser 

The $60 service fee from Liberty Guard is relatively low. Although the monthly payment can be a bit higher than some of the other brands on the market, the low service fee will help make up for any additional costs. 

If you like new and modern companies that will fight hard to get and retain your business, Liberty Home Guard is a smart choice. We see only positive things for this company as they continue to grow.

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

For more information, read our Liberty Home Guard Review.

5. First American Home Warranty

First American Home Warranty is the best option for appliance coverage in Florida. Many companies offer various individual and systems plans; First American keeps it simple with a very fair plan option that covers the home’s appliances. After spending the last 37 years in the home warranty industry, First American Home Warranty knows a few things about what Florida homeowners need. If you have a single-family home, condo, or townhouse, appliance coverage is always necessary. First American Home Warranty has a B+ rating with the BBB and is considered to be a very reputable home warranty provider. 

The two plans from First American Home Warranty are quite different. One plan is the appliance-only option, and it is one of the lower-priced choices on the market. The other plan is a more comprehensive choice with extensive coverage. Florida homeowners should be careful about choosing a plan that does not cover HVAC. Luckily, there are some add-on options that you can include your air conditioning on your appliance plan. 

The optional coverage choices from First American Home Warranty include:

• Central air conditioning (electric)
• Additional refrigeration
• Pool/Spa equipment
• Well pump
• Septic/septic tank pumping
• First Class Upgrade (Fees associated with the use of lifting equipment, Up to $250 per local building permits, Haul away services, Appliances, and systems that have been insufficiently installed or modified)

The service fee for the First American Home Warranty is $85. This is about the same as Choice Home Warranty. The Basic and Premier plan have lower monthly costs, making the overall affordability of First American one of the best on the market. 

Every Florida homeowner will have an issue with appliance repair or replacement at some point. Choosing a reliable and affordable home warranty is easy with the First American policies.

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

For more information, read our First American review.

Florida Home Warranty Buying Guide

Now that this list is narrowed down to the top five on the market, it’s time for you to try and choose which is the best for your home. When you are comparing policies from one to another, there are a few important features to look at. Three of the most important are policy limits, exclusions, and service fees. 

• Policy Limits: Each appliance or system is only covered up to a certain amount of money per year. Some policy limits are around $500, and others can be over $3000; the higher policy limits help to increase the value of the plan.  
• Exclusions: Not all repairs are covered by a home warranty. If something was broken because of lack of maintenance or foul play on the part of the homeowner, it wouldn’t be covered. Make sure to look at the exclusions that a company lists.  
• Service Fees: Service fees are what you will pay for when you have a system or appliance break down. Most service fees range from $60 to $125. You must be able to afford these service fees on top of the monthly payments.  

Top Home Maintenance Problems in Florida

Living in Florida is great, but it can be a major headache trying to keep your home in great shape. With the high temperatures, heat from the sun, and overall high humidity, the systems and appliances of a home will experience quite a bit of wear and tear. The HVAC, ceiling fans, and pools are three important coverages for Florida residents to have. Let’s take a look at these issues and how your home warranty can help. 

• HVAC Breakdown: Trying to make it through a summer day in Florida without a working AC is extremely difficult. Luckily with HVAC coverage as part of a home warranty, sometimes your system can be back up and running within 24 hours of going out. 
• Ceiling Fan Operation: Ceiling fans are a lesser-known coverage on home warranty plans, but they allow for proper air movement through the home. Most Florida homeowners won’t want to deal with ceiling fan issues as it can be dangerous, require electrical work and a ladder. 
• Pool and Spa Issues: Many Florida homes will have pools and spas that can benefit from having home warranty coverage in place. Issues with a filter or a pump can be included under some home warranty plans. 

Tips for Buying a Home Warranty in Florida

When considering buying a home warranty plan in Florida, the first factors to consider are climate and geographic location before moving on to the details of pricing and coverage options. The Sunshine state is known for beautiful weather and hundreds of miles of beaches in the Gulf of Mexico and the Atlantic Ocean. With a large portion of the state having a humid subtropical climate and the southernmost areas being tropical savanna, finding the plan with the best coverage to suit where your property is located is important.

Before purchasing a policy, be sure to note that home warranty plans are NOT the same thing as homeowners insurance. Homeowners insurance policies cover damages from most natural disasters but a home warranty plan does not. Although Florida is susceptible to severe thunderstorms, monsoons and hurricanes, home warranty policies will not cover those damages but homeowners insurance is more likely to.

Wear-and-tear from regular use of your homes appliances and systems is covered by home warranty policies. Most home warranty providers do not cover incorrectly installed items or improperly maintained home systems or appliances, such as mold or rust on home appliances. Be sure to thoroughly read your service contract to know what is and isn’t covered, coverage caps, service fees, and other coverage and pricing details.

If you live in a city with humid subtropical climates like Tallahassee, Orlando, Tampa, or Jacksonville the best home warranty choice for your property is  Choice Home Warranty or American Home Shield, as they offer great and affordable coverage, specifically for air conditioning. CHW and AHS have established large networks of experienced service professionals across the country that will guarantee a seamless experience using your policy for repairs on your Florida home.

Both of these companies have policies with spectacular coverage and several optional add-ons that go beyond the regular coverage of electric systems, washer and dryer, heating systems, refrigerator, etc. Add-ons can be tacked on to a plan for an additional price, some examples are septic systems, well pump, and pool and spa coverage–which is a perfect add-on for a home in one the top states with the most swimming pools.

Florida is an incredibly hot and humid state, meaning that coverage on air conditioning units is essential. It’s not uncommon for Florida homes to see temperatures reaching over 100º and the record-breaking temperature of 109º Fahrenheit was reached just northeast of Tallahassee in Monticello. Both CHW and AHS offer great HVAC coverage which will be essential in this scorching hot weather.

If you live in southern Florida in Miami, Jupiter, Naples, Fort Lauderdale, or the Keys, just use the provided list above of the best of home warranties in Florida and be sure take into account the HVAC and electrical coverage of each provider. In order to find the provider that fits your homes’ needs, compare all costs, coverages, add-ons, coverage limits, service fees, and monthly premiums.

With a population nearing 22 million people, comprehensive coverage for appliances and home systems (like HVAC) in your Florida home are essential to comfortable and worry-free living. Read our reviews of each provider to get a holistic view of each provider and find the one that suit your needs.

Our Conclusion

Hopefully, you now feel a bit more confident in your ability to make a great home warranty decision for your home. There are lots of great options on our list, but Choice Home Warranty stands out as the overall best. With a solid history in the business, excellent customer service, and fair pricing, Choice makes it easy. It is smart to get multiple quotes and then compare the pricing to see which is best for your Florida home.

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 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.