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Updated Mar 22, 2023
Updated Mar 22, 2023
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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.
Here are the six best home warranty companies in Florida.
Though we’ve only featured top-rated home warranty providers in this guide, not all six 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:
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.
We scored Choice Home Warranty (CHW) with 4.9 out of 5 stars and named it the best overall service provider in Florida. CHW takes first place in our lineup for its two simple yet comprehensive plan options, $3,000 per-item annual coverage caps, and expedited service for emergency breakdowns.
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.
Pros
Cons
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.
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.
Pros
Cons
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:
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.
Pros
Cons
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.
Pros
Cons
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 a 24-hour 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.
Pros
Cons
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.
Use the list below to find the best home warranty providers in Florida specific to your city:
Home Warranty Company | Choice Home Warranty | Liberty Home Guard | Select Home Warranty | American Home Shield | The Home Service Club |
Our Rating | 9.7 | 9.3 | 9.5 | 9.6 | 9.4 |
Best For | Best overall | Most trustworthy | Most cost-effective plans | Best customizable plans | Quickest service |
Average Cost | $45 – $53 | $70 – $80 | $56 – $62 | $34 – $64 | $50 – $62 |
Service Fee | $85 | $75 | $60 | $75, $100, or $125 | $60, $75, or $95 |
Annual Limit | $3,000 per standard item; $250-$500 for add-ons | $2,000-$2,500 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 |
Average Response Time | Up to 48 hours | Within 24 hours | Up to 48 hours | Up to 48 hours | Within 24 hours |
State Availability | Not available in WA | Not available in WAor WI | Not available in WA, NV, WY, or NM | Not available in Alaska | Available in all 50 states |
Online Chat / Mobile App | Yes | Yes | No | No | No |
Quote | Get Quote | Get Quote | Get Quote | Get Quote | Get Quote |
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 starts at around $3 per month and increases depending on the scope of the job.
Overall | $630.62 |
Single-Family | $533.19 |
Multi-Family | $902.47 |
Townhome | $502.48 |
Condo | $547.89 |
Duplex | $748.23 |
Home Over 5,000 sq ft | $1,294.73 |
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. Watch this video for an in-depth review of what a home warranty is and how it may come in handy for Floridians:
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:
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, air conditioning problems, and roof leaks are something you need to anticipate due to the state’s low sea level and heavy wet seasons.
According to Micheal Stimpson, the 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.
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.
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.
On average, a home warranty in Florida can cost anywhere from $45 to $70 per month, on top of the service fee amount required by your provider which ranges between $60 and $125. Ultimately, the steepness of your premium is impacted by the level of coverage you pursue and whether or not you add any optional riders to your policy.
Our pick for the best home warranty company in Florida is Choice Home Warranty. Choice offers two simple plans with combined coverage for both systems and appliances plus overall fair pricing. Choice maintains its reputation as a valued and trustworthy home warranty company through 24/7/365 customer support and a 60-day workmanship guarantee for all labor performed on your home by any of its hired contractors.
No, home warranties are not a waste of money. Home warranties give homeowners a way to protect their budgets against the potential financial shock of a major appliance or system failure within their homes. Part of the trade-off with a home warranty is that it’s a risk product. Odds are you won’t break even in terms of what you spend on the policy and the dollar amount worth of repairs you’ll receive per year. Still, by investing in the high likelihood of a breakdown at some point throughout the year, you’ll have peace of mind knowing you won’t ever be left to foot a four-figure bill when you least expect it.
At House Method, transparency and trust are our most important values for the reader.
To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.
We developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria. We used a five-point scale with a point index ranging from 0.00 to 1.00. The minimum awardable value is 0.0, whereas 1.00 is the maximum. These numeric points are translated into star ratings, using whole star increments between one and five.
Here is a quick breakdown of our five core scoring categories:
Additional Florida Home Warranty Resources
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