Best Home Warranty Companies in Florida

By Debbie Wolfe

A Florida home warranty can help offset expensive repair and replacement costs for major home items that have broken down due to normal wear and tear.

To make your warranty search simple, we’ve done the research for you. If you’re looking for a home warranty in Miami, or another city in Florida, keep reading to learn why investing in a home warranty is so important and how to find the best appliance insurance for your home.

Florida’s best home warranty companies

  • Offers free roof leak coverage for customers
  • Has low service fees compared to other home warranty companies
  • Quick replacement payments

  • Provides customers with a risk-free, 30-day, money-back guarantee
  • Established company with a BBB accreditation
  • Covers improperly installed items

  • Doesn’t deny coverage based on the age of your home systems or appliances
  • One of the veterans in the home warranty industry
  • Provides after-hours/emergency service

  • Provides more add-on coverage than any other provider we’ve reviewed
  • Has a 90-day parts guarantee
  • Customers can make an unlimited number of service calls

  • Has a 10-day waiting period before coverage starts (shorter than the industry average of 30-days)
  • Excellent customer service
  • High coverage caps on systems and appliances

Why a Florida home warranty is so important

Florida is located in the southeastern part of the U.S and is bordered by Georgia and Alabama. The peninsula is surrounded by the Atlantic Ocean on one side and the Gulf of Mexico on the other. Given Florida’s location on the southeastern coast, heat and humidity can affect the condition of outdoor air conditioning units, garage doors, and pools.

Take the following chart into consideration. If something happened to your air conditioning and the system completely broke down, you would need to buy a replacement which could cost anywhere between $4,249 and $5,413. This could put a big dent in your wallet, especially if you don’t have an emergency budget for repairs.

Not to mention, without this form of protection, you’d be tasked with finding a local service technician to come out and perform the service. This could take days, even weeks, and going without air conditioning in the Florida heat for that long can be extremely frustrating and uncomfortable.

If you had a home warranty and your AC went out, all you’d have to do is file a claim online or over the phone and a representative will put you in contact with a contractor within 48 hours. Some companies, like American Home Shield, will guarantee a contractor within 24 hours, which is pretty impressive in our opinion.

The table below compares average home repair and replacement costs to average home warranty coverage caps. Use it to determine how much you could save with home appliance insurance.

Appliance Average lifespan Cost to repair Cost to replace Potential savings
Furnace 16–25 years $285 $4,249 $1,500
Air conditioner 15–20 years $347 $5,413 $1,500
Water heater 8–12 years $546 $1,065 $1,037
Refrigerator 14 years $310 $1,925 $1,306
Range 14–19 years $150 $1,675 $1,607
Built-in microwave 8 years $125 $408 $1,485
Dishwasher 12 years $150 $1,000 $1,683
Clothes washer 12 years $310 $1,250 $1,466
Dryer 13–14 years $250 $1,075 $1,466

Note: The above repair and replacement costs are based on national averages. We calculated the average amount that customers can save by compiling sample contracts from the top providers we reviewed.

Florida home warranty plans and coverage

Home warranty coverage varies by state and depends on the company and coverage level you choose. In general, most companies offer at least two plans—a basic plan and a combo plan, or an appliance plan and system plan—and will cover the following systems and appliances:

  • Air conditioning
  • Heating system
  • Plumbing system
  • Electrical system
  • Refrigerators
  • Washers
  • Dryers
  • Dishwashers
  • Stove/Range/Oven
  • Built-in microwave
  • Ductwork
  • Garbage disposals
  • Ceiling fans
  • Doorbells
  • Water heater

Here are some items that typically aren’t covered under a standard plan but may be added on to your coverage:

  • Outdoor sprinklers
  • Faucet repairs
  • Ice makers
  • Garage door openers
  • Spa or pools
  • Septic system
  • Well pump

Note: Most companies cover regular wear and tear on home systems and appliances. In most cases, improperly maintained items or items that were installed correctly won’t be covered. Read your contract before signing to determine if there are limits and exclusions on coverage.

How much does a Florida home warranty cost?

The average cost of a Florida home warranty is around $320 per year, which is much lower than the industry average of $37. Extended coverage is an additional $100 to $500 per year and will depend on the number and types of items you add to your plan. Deductibles, or service fees, average between $75 to $100. 

How does a home warranty work?

If one of your covered systems or appliances breaks down and you need to file a claim, here’s what the process would look like:

  1. After submitting a claim, a customer service representative will contact one of their approved technicians or allow you to select your own contractor.
  2. The contractor would then call you to set up an appointment.
  3. In your home, the provider will assess the damage and determine if a repair or replacement is necessary.
  4. You would pay the contractor a service fee and your home warranty company would pay for the repair or replacement up to the set coverage limit.

See the best home warranty companies in your state

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Best Home Warranty Companies in Alabama

Looking for a home warranty in Alabama? We compared the top providers in Alabama below.

Best Home Warranty Companies in Alaska

Looking for a home warranty in Alaska? We compared the top providers in Alaska below.

Best Home Warranty Companies in Arizona

Looking for a home warranty in Arizona? We compared the top providers in Arizona below.

Best Home Warranty Companies in Arkansas

Looking for a home warranty in Arizona? We compared the top providers in Arizona below.

Best Home Warranty Companies in California

Looking for a home warranty in California? We compared the top providers in California below.

Best Home Warranty Companies in Colorado

Looking for a home warranty in Colorado? We compared the top providers in Colorado below.

Best Home Warranty Companies in Connecticut

Looking for a home warranty in Connecticut? We compared the top providers in Connecticut below.

Best Home Warranty Companies in Delaware

Looking for a home warranty in Delaware? We compared the top providers in Delaware below.

Best Home Warranty Companies in Florida

Looking for a home warranty in Florida? We compared the top providers in Florida below.

Best Home Warranty Companies in Georgia

Looking for a home warranty in Georgia? We compared the top providers in Georgia below.

Best Home Warranty Companies in Hawaii

Looking for a home warranty in Hawaii? We compared the top providers in Hawaii below.

Best Home Warranty Companies in Idaho

Looking for a home warranty in Idaho? We compared the top providers in Idaho below.

Best Home Warranty Companies in Illinois

Looking for a home warranty in Illinois? We compared the top providers in Illinois below.

Best Home Warranty Companies in Indiana

Looking for a home warranty in Indiana? We compared the top providers in Indiana below.

Best Home Warranty Companies in Iowa

Looking for a home warranty in Iowa? We compared the top providers in Iowa below.

Best Home Warranty Companies in Kansas

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Best Home Warranty Companies in Kentucky

Looking for a home warranty in Kentucky? We compared the top providers in Kentucky below.

Best Home Warranty Companies in Louisiana

Looking for a home warranty in Louisiana? We compared the top providers in Louisiana below.

Best Home Warranty Companies in Maine

Looking for a home warranty in Maine? We compared the top providers in Maine below.

Best Home Warranty Companies in Maryland

Looking for a home warranty in Maryland? We compared the top providers in Maryland below.

Best Home Warranty Companies in Massachusetts

Looking for a home warranty in Massachusetts? We compared the top providers in Massachusetts below.

Best Home Warranty Companies in Michigan

Looking for a home warranty in Michigan? We compared the top providers in Michigan below.

Best Home Warranty Companies in Minnesota

Looking for a home warranty in Minnesota? We compared the top providers in Minnesota below.

Best Home Warranty Companies in Mississippi

Looking for a home warranty in Mississippi? We compared the top providers in Mississippi below.

Best Home Warranty Companies in Missouri

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Best Home Warranty Companies in Montana

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Best Home Warranty Companies in Nebraska

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Best Home Warranty Companies in Nevada

Looking for a home warranty in Nevada? We compared the top providers in Nevada below.

Best Home Warranty Companies in New Hampshire

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Best Home Warranty Companies in New Jersey

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Best Home Warranty Companies in New Mexico

Looking for a home warranty in New Mexico? We compared the top providers in New Mexico below.

Best Home Warranty Companies in New York

Looking for a home warranty in New York? We compared the top providers in New York below.

Best Home Warranty Companies in North Carolina

Looking for a home warranty in North Carolina? We compared the top providers in North Carolina below.

Best Home Warranty Companies in North Dakota

Looking for a home warranty in North Dakota? We compared the top providers in North Dakota below.

Best Home Warranty Companies in Ohio

Looking for a home warranty in Ohio? We compared the top providers in Ohio below.

Best Home Warranty Companies in Oklahoma

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Best Home Warranty Companies in Oregon

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Best Home Warranty Companies in Pennsylvania

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Best Home Warranty Companies in Rhode Island

Looking for a home warranty in Rhode Island? We compared the top providers in Rhode Island below.

Best Home Warranty Companies in South Carolina

Looking for a home warranty in South Carolina? We compared the top providers in South Carolina below.

Best Home Warranty Companies in South Dakota

Looking for a home warranty in South Dakota? We compared the top providers in South Dakota below.

Best Home Warranty Companies in Tennessee

Looking for a home warranty in Tennessee? We compared the top providers in Tennessee below.

Best Home Warranty Companies in Texas

Looking for a home warranty in Texas? We compared the top providers in Texas below.

Best Home Warranty Companies in Utah

Looking for a home warranty in Utah? We compared the top providers in Utah below.

Best Home Warranty Companies in Vermont

Looking for a home warranty in Vermont? We compared the top providers in Vermont below.

Best Home Warranty Companies in Virginia

Looking for a home warranty in Virginia? We compared the top providers in Virginia below.

Best Home Warranty Companies in Washington

Looking for a home warranty in Washington? We compared the top providers in Washington below.

Best Home Warranty Companies in West Virginia

Looking for a home warranty in West Virginia? We compared the top providers in West Virginia below.

Best Home Warranty Companies in Wisconsin

Looking for a home warranty in Wisconsin? We compared the top providers in Wisconsin below.

Best Home Warranty Companies in Wyoming

Looking for a home warranty in Wyoming? We compared the top providers in Wyoming below.

Is a home warranty necessary?

If you’re still not sure if a home warranty is right for you, see if you fall into one or more of the following categories:

  • You’re a homeowner who isn’t handy or doesn’t want to deal with finding a contractor.
  • You’re a new homeowner who lacks an emergency fund for major repairs.
  • You’re a real estate agent trying to help a client sell a home.
  • You’re selling your home and want to protect against expensive, unforseen repair bills.

What to consider before buying a home warranty in Florida

Here are some factors to take into consideration before you purchase a home warranty:

  • Age of your appliances—New appliances may not need an additional warranty because they’re usually covered under a manufacturer’s warranty for 12 months. Once the manufacturer’s warranty expires, purchasing new appliance coverage makes sense. 
  • Climate and location—When choosing a warranty provider in Florida, consider the climate of the region (this will affect the normal wear and tear of your home systems and appliances).
  • Laws and permits—All home warranty companies in Florida are regulated by the Office of Insurance Regulations (OIR). There may be specific regulations and permits required by your city or county, so do your research on any local laws before committing to a coverage plan.

Florida home warranty reviews

One of the best ways to choose a home warranty is by reading about consumer experiences. Here are some reviews from current customers:

Sandra Bronick on Choice Home Warranty:

“Everyone I spoke to was knowledgeable and courteous. They listened to my questions and concerns and answered them to my satisfaction. In the end, they were able to offer me a warranty that met my needs and budget! I wasn’t happy with the repair people my other warranty service sent out, so we’ll see how well yours do. Thanks!”

Arshad Chaudhry on First American Home Warranty:

“Prompt and professional courteous service provided by the contractor.”

Sjoelle Tutson on Total Home Protection:

“I am 100% pleased with my service from Total. I called customer service late at night to put in a service request because my garbage disposal was leaking. Someone was out the very next morning and provided very efficient and reliable work. I haven’t had any problems with my disposal since. I think Total Home Protection is the perfect company to go with for anyone who is looking to protect their home.”

Frequently asked questions about Florida home warranties

Who needs a home warranty in Florida?

If you’re a first-time home buyer, real estate agent, home seller, or seasoned homeowner who just wants to add a little more protection to their home, a home warranty is a great option.

What’s the difference between a home warranty and homeowners insurance?

A home warranty is a service contract that provides affordable repair and replacement services on a number of major home appliances. Homeowners insurance policies cover damage to your home from natural disasters, fires, property crimes, water damage, and theft.

If I live in a mobile home in Florida, can I buy a home warranty?

Yes, residents of any type of property—townhomes, condos, and even mobile homes—can sign up for a home warranty. Total Home Protection is one company that provides coverage for townhomes, condos, and mobile homes.

Will my home warranty cover my roof?

Roof repairs aren’t typically included in standard home warranty packages, but limited repairs for roof leaks are usually an additional coverage choice. Select Home Warranty is one company that provides free roof leak coverage to consumers.

How long does it take for a home warranty company to provide service once it’s requested?

It typically takes 48 hours for most home warranty companies to provide service following the acceptance of your claim. In case of an emergency, the service time may be much quicker.

Which Florida home warranty company is the best?

If you’re ready to purchase a home warranty in Florida, these are the top three home warranty companies you should consider:

1. First American Home Warranty

This company is a veteran in the home warranty industry and was nominated for multiple home warranty insurance awards. They offer two main plans: Basic and Premier. The Basic plan covers major appliances while the Premier plan adds in coverage for home systems such as plumbing, electrical, and heating. Not to mention, First American provides add-on coverage for specific items, like your pool or spa equipment, well pumps, and central air conditioning.

READ: In-depth First American Home Warranty review

2. Select Home Warranty

Select offers three levels of coverage and provides optional add-ons to allow homeowners to fully customize their warranties. The company covers all makes and models of appliances and systems. If you’re still on the fence with Select, you can find a sample contract on their website that clearly states coverage, limitations, and terms and conditions.

READ: Coverage offered by Select Home Warranty

3. Choice Home Warranty

This home warranty offers some of the most comprehensive coverage in the industry, excellent service technicians, and fast and simple solutions for its customers. CHW has two coverage packages: the Basic Plan and the Total Plan. The Basic Plan includes home appliances, such as a water heater, a garage door opener, and a built-in dishwasher, while the Total Plan covers all of the appliances in the Basic Plan, as well as other major appliances and systems, such as air conditioning and a refrigerator.

READ: Choice Home Warranty Review

Final thoughts

Adding a home warranty is the best way to protect your entire home and give you peace of mind. Consider the age of the house, which home systems and appliances you want covered, and Florida’s warm and humid climate before you purchase a plan.

Florida has several reputable companies to choose from such as Select Home Warranty, Choice Home Warranty, and First American Home Warranty. Their flexibility in coverage, excellent customer service, and professional network service providers are all great selling points for customers.

Still not sure which Florida home warranty is right for you?

Compare other top home warranty providers in the industry.

View the best home warranties

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