Best Home Warranty Companies in Florida

By Debbie Wolfe

Home warranty plans can help compensate you for the cost of a system or appliance repair that wouldn’t normally be covered under your homeowners insurance policy. But with so many home warranty plans available, how can you be sure that you have the best home warranty? In this guide, we’ll introduce you to a few of our favorite home warranty companies in Florida, as well as a few common issues you can use your home warranty to correct.

Florida’s top 5 home warranty companies

Best HVAC Coverage

  • 2 plans + optional add-ons
  • Covers improperly installed or maintained items
  • No cap on coverage for HVAC
  • $28–$43 per month
Editor's Choice

  • 2 plans available + optional add-ons
  • Has over 10 years of industry experience
  • 90-day repair guarantee
  • $36–$44 per month
Best customizable plans

  • 4 plans + add-ons and the option to build your own plan
  • Customers can choose the service fee they want to pay
  • Provides generous coverage caps
  • $50–$55 per month
Most cost-effective plans

  • Provides free roof leak coverage
  • Has optional septic system coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Get 2 extra months free when you sign up today
Most trustworthy

  • All three available plans are under $60.00 per month
  • Has a 60-day workmanship guarantee on all repairs
  • Offers optional add-ons for up to 20 items
  • Customer service available 24 hours a day, seven days a week

Top home maintenance problems in Florida

Why should you invest in a home warranty in Florida? Homeowners in the Sunshine State face a number of unique issues that can increase the chances of an appliance or system breaking down. Here are some of the most common breakdowns your Florida home might suffer.

  • Air conditioning breakdowns: If you’ve ever endured a Florida summer, you know that a functioning HVAC system is a necessity. If your A/C unit breaks down, a home warranty systems plan will help you get it up and running again without a thousand-dollar bill.
  • Roofing leaks: Florida is well-known for its heavy showers. Your home warranty company might provide optional coverages that compensate you if you suffer from a roof leak after these downpours.  
  • Plumbing problems: Warm temperatures, moisture, and dark environments are a recipe for mold and mildew growth. Due to Florida’s high humidity, your plumbing system will be more likely to grow degrading mold. However, a home warranty can help you tackle these often expensive problems without breaking the bank. 

1. First American Home Warranty

With over 35 years of experience in the home warranty business, First American Home Warranty is one of the most well-established home warranty providers in Florida.

First American Home Warranty offers two home warranty plan options: a Basic Plan that covers basic home appliances and a more comprehensive Premier Plan that covers both appliances and systems.

First American Home Warranty also offers optional coverage for the following items:

  • Central air conditioning systems
  • Second refrigeration units
  • Pool and spa equipment
  • Well pumps
  • First Class Upgrade, which covers building permits and haul away services, among other items

Though the exact price of your home warranty will vary depending on your location and optional upgrades, here’s what you can generally expect to pay for each plan:

Plan Price per month Price per year
Basic Plan $28 $336
Premier Plan $42.50 $510

You’ll also pay a $75 service call fee each time you use your home warranty coverage.

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

2. Choice Home Warranty

Choice Home Warranty provides a wide range of home protections spread across two plans: a Basic Plan that covers 14 major home components and a Total Plan that covers everything in the Basic Plan plus four additional components.

In addition to two home warranty plans, Choice Home Warranty also offers optional coverage for the following items:

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

Here’s what you can expect to pay for your plan if you choose Choice:

Plan Price per month Price per year
Basic Plan $36.17 $434.04
Total Plan $42.50 $510

You’ll also pay an $85 fee each time you request service.

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

3. American Home Shield 

Another veteran in the home warranty industry, American Home Shield has been providing policies to homeowners for almost 50 years. The company also maintains an accreditation and B rating with the Better Business Bureau (BBB).  

American Home Shield offers three home warranty plans: a Systems Plan, which covers major systems, an Appliances Plan, which covers major appliances, and an all-inclusive Combo Plan, which covers both. 

In addition to the standard plan options, you can also add additional coverage for the following:

  • Extended electrical warranty
  • Pool/spa
  • Well pump
  • Septic pump
  • Guest unit

Here’s a price breakdown, detailing what you might expect to pay for each plan:

Plan Price per month Price per year
Systems Plan $49.99 $599.88
Appliances Plan $49.99 $599.88
Combo Plan $59.99 $719.88

American Home Shield allows you to choose your own service fee between $75 and $125. Keep in mind that if you choose a lower service fee, you’ll pay more per month and vice versa.

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

4. Select Home Warranty

Select Home Warranty is known throughout Florida and the rest of the country for providing affordable home warranty both in terms of its plans and its service fees.

Select Home Warranty offers three plan tiers: Bronze, Gold, and Platinum Care packages. The Bronze Care plan includes coverage for eight home appliances, while the Gold Care plan includes coverage for six home systems. The Platinum Care package includes all coverages in both the Bronze and Gold Care packages plus a few extras.

Select Home Warranty also offers optional add-on coverage for the following:

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

Here’s what you might expect to pay for your coverage from Select Home Warranty:

Plan Price per month Price per year
Bronze Care $35.83 $429.96
Gold Care $35.83 $429.96
Platinum Care $37.50 $450

You’ll also pay a $75 service fee each time you use your plan.

To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.

5. Liberty Home Guard

Liberty Home Guard is another trusted option for your home warranty in Florida. The company is not only BBB-accredited with an impressive A- rating, but its plans are also affordable.

Liberty Home Guard offers three plan choices: an Appliance Guard plan, a System Guard plan and a Total Home Guard plan. The Appliance Guard plan covers nine major appliances, while the Systems Guard plan protects six essential systems. The Total Home Guard plan combines both these sets of coverages.

Liberty Home Guard also offers the following optional coverages:

  • Pool and spa
  • Additional spa
  • Gutter cleaning
  • Floor/carpet cleaning
  • Sump pump
  • Fixtures
  • Water softener
  • Lawn sprinkler system
  • Electronics protection
  • Swamp cooler
  • Ejector pump
  • Grinder pump
  • Septic system pumping
  • Limited roof leak
  • Pest control
  • Central vacuum
  • Stand alone freezer
  • Re-key
  • Second refrigerator
  • Well pump

Here’s a breakdown of what you can expect to pay per month and per year for your Liberty Home Guard coverage: 

Plan Price per month Price per year
Appliance Guard $40 $480
System Guard $50 $600
Total Home Guard $60 $720

You’ll also pay a $60 per-visit service fee, which is lower than the industry average of $75-$125.

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

Florida home warranty buying guide

Not every home warranty company in Florida will serve you equally. Some factors you might want to consider when shopping for plans include:

  • Ratings and reviews: Review each company’s BBB profile, rating, and customer testimonials before you sign onto a policy. Past customers can give you insight into how each company operates.  
  • Price: Price will likely be a primary driving factor in your home warranty choice. Consider both service fees and monthly premiums when you look at what each company costs.
  • Optional coverages: Though most home warranty companies provide coverage for major systems and appliances, you might want to extend your coverage to include optional add-ons. For example, if you live in a rural part of Florida, you might want to include coverage for your septic system. 

Our conclusion

A home warranty from First American Home Warranty, Choice Home Warranty, American Home Shield, Select Home Warranty, or Liberty Home Guard could save you thousands of dollars if one of your systems or appliances needs a repair or replacement. However, the right home warranty for you will vary depending on your needs. That’s why we recommended five companies so that every Florida homeowner can find a provider.

Frequently asked questions about Florida home warranties

What is a home warranty?

A home warranty is a policy that helps you cover the cost of appliance and system breakdowns that aren’t covered by home insurance. For example, if your oven suddenly gives out, your home warranty policy will help you cover the cost of a repair or replacement in exchange for a monthly or annual premium and a small service fee.

What’s a service fee?

A service fee is a per-incident fee paid to your technician each time you use your home warranty policy. This is one of two costs associated with a home warranty. The other is a monthly or annual premium.

What is the best home warranty company in Florida?

The best home warranty company will vary depending on your needs. Thoroughly review all policy options before you make your choice to be sure you’re getting the best deal and coverage.  

See the best home warranty companies in your state

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