Best Home Warranty Companies in Georgia (2022)

Whether you choose to live in the Golden Isles or make a home for yourself in the bustling city of Atlanta, there is a lot that the Peach State has to offer. Georgia is known for its relatively mild climate; however, it also has humidity. The humid weather can cause moisture problems in a home and destroy some systems and appliances. When your refrigerator suddenly breaks down and your food starts to sour, or your A/C goes in the middle of the summer, a Georgia home warranty can help. Unexpected repair and replacement costs on these systems and appliances will get quite costly. Therefore it makes sense to consider one of the best home warranty companies in Georgia to keep you protected.

Best Home Warranty Companies in Georgia (2022)

There are over 50 home warranty options for Georgia homeowners to choose from. Each of these warranties has its unique benefits and negatives. It took us quite a bit of time and effort, but we have narrowed the best Georgia home warranty companies down to the top five in the state. Here is how Georgia’s top five ranked. 

1. Choice Home Warranty: Best Overall 
2. Select Home Warranty: Most Cost-Effective Plans
3. American Home Shield: Best Customizable Plans 
4. The Home Service Club: Quickest Coverage
5. Liberty Home Guard: Most Trustworthy

Georgia Home Warranty Companies Reviews

House Method’s experts rated and reviewed over 70 home warranty companies in Georgia in order to help you narrow down which one is best for your home. Some of the key metrics our experts use to rank the best home warranty companies in GA are the following: workmanship guarantee, service fees, overall monthly pricing, coverage options and customer service, BBB ratings, add-on coverage, and more. Here are our summary reviews of the top five best home warranty companies in Georgia.

1. Choice Home Warranty 

• Best Overall Home Warranty Company
• Service Fee: $85
• Annual Cost: $560-$660

Why We Chose It

Choice Home Warranty is the best overall home warranty in Georgia. One of the first things that sets Choice Home Warranty apart is that the plans are straightforward. There is no fine print that you will have to worry about with Choice; simply choose the plan that best works for you and benefit from the 13 years this company has spent helping Georgia homeowners. Coverage caps from Choice Home Warranty are some of the highest at around $3000 for most home systems and appliances. Choice Home Warranty has a combination of both system and appliance coverage on both of their plans. 

CHW Pros and Cons

Plan, Cost, and Coverage

Choice Home Warranty has two home warranty plans for customers to choose from. The Basic Plan and the Total Plan both have systems and appliances as part of the plan. The overall costs from Choice Home Warranty are very fair, and the coverage caps are some of the highest in the industry. Also, it is important to consider service fees when shopping for a home warranty; The service fees from Choice Home Warranty are nonadjustable and $85 per visit. 

Here’s a detailed look at Choice Home Warranty’s coverage: 

• Basic Plan ($42 per month): The Basic Plan from Choice Home Warranty covers 13 items, including plumbing system, ceiling fans, garbage disposal, heating system, cooktop exhaust fans, microwave, dishwasher, ductwork, electrical system, garage door opener, oven, toilet, and water heater. For those who are new to home warranty plans, the Basic Plan is a great option. 
• Total Plan ($53.33 per month): The Total Plan is a comprehensive plan from Choice Home Warranty. The plan covers all 13 items in the Basic Plan with four additional items. The Total Plan includes clothes washer, dryer, refrigerator, and air conditioner coverage. The Total Plan is the better option for Georgia homeowners because of these essential extra coverages. 
• Add On Options: Choice offers nine optional coverages, including roof leaking, central vacuum, septic tank, well pump, pool and spa, sump pump, and stand-alone freezer. Policyholders can add add-on options to the policy at the plan’s start to give homeowners more peace of mind about their homes. 

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.

2. Select Home Warranty 

• Most Cost-effective Plans
• Service Fee: $60
• Annual Cost: $630-$699

Why We Chose It

Select Home Warranty is the most cost-effective option for Georgia homeowners. With a Select Home Warranty plan, you will have much less pressure to jump into a plan. With close to ten years in the industry and affordability as one of their top priorities, many Georgia homeowners trust Select Home Warranty. In addition, Select Home Warranty’s plan has fair service fees, and free roof leak coverage comes with all of its plan choices. On top of fair pricing, Select Home Warranty also offers impressive workmanship for Georgia homeowners. 

SHW Pros and Cons

Plans, Cost, and Coverage

Select Home Warranty has three plans for homeowners to choose from. The plans are Bronze Care, Gold Care, and Platinum Care. Each of these plans has unique coverage options, with the Platinum Care plan having both system and appliance coverage for homeowners. Select Home Warranty’s prices are considerably lower than other home warranty providers. The service fee from Select Home Warranty is also very fair at just $60. 

Here’s a detailed look at Select Home Warranty’s coverage: 

• Bronze Care ($52 per month): The Bronze Care plan covers seven major appliances, including refrigerators, built-in microwaves, clothes washers and dryers, ovens, garbage disposals, and cooktops. Bronze Care tends to be one of the first-time homebuyers’ most popular plan choices. 
• Gold Care ($52 per month): The Gold Care plan covers six systems. The six major systems included in the Gold Care plan are plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork. This is an excellent protection to have in place, but many Georgia homeowners will miss the appliance coverage when an issue comes up. 
• Platinum Care ($57 per month): The Platinum Care plan is the best overall option from Select Home Warranty. With this plan, Georgia homeowners will have both system and appliance coverage for just a few dollars more per month than the Bronze Care or Gold Care plan. When you are looking for a plan with tremendous value, this is an option to consider. 
• Add on Options: There are several optional add-ons, including central vacuums, lawn sprinkler systems, pools, spas, stand-alone freezers, sump pumps, and well pumps. Roof leak coverage is free, and this will save more than $100 per year compared to other companies. 

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.

3. American Home Shield 

• Best Customizable Plans
• Service Fee: $75-$100
• Annual Cost: $347-$891

Why We Chose It

American Home Shield offers a premium home warranty policy that allows Georgia homeowners to customize their plans quite. If you are worried about certain coverages for your pool, well pump, or HVAC, AHS will enable you to create a plan that works for your specific home. With no two houses being the same, flexibility and customization are essential. Additionally, American Home Shield has been operating for more than 50 years. It has paid out a tremendous amount of claims and earned a reputation for excellent customer service during this time.

AHS Pros and Cons

Plans, Cost, and Coverage

American Home Shield has three home warranty plans for Georgia homeowners to choose from. The three plans are ShieldSilver, ShieldGold, and ShieldPlatinum. Although the pricing of the home warranty plans from American Home Shield is slightly higher than others on the market, the company has exceptional coverage and high payout rates. Remember that all American Home Shield plans are customizable, so you can pick and choose what is covered as part of your plan. The service fee from American Home Shield will range from $75 to $125. Our chart below shows the pricing with a $100 service fee. 

Here’s a detailed look at American Home Shield’s coverage: 

• ShieldSilver™ ($39.99 per month): ShieldSilver covers 14 home systems, including air conditioning, electrical system, smoke alarms, water heater, doorbells, garage door opener,  heating system, plumbing, and ductwork. Systems are the most expensive items to replace and repair. If you want to ensure your budget and savings account are adequately protected, then ShieldSilver is the perfect option. 
• ShieldGold™ ($49.99 per month): The ShieldGold plan covers 23 home systems and appliances, including many offered on the ShieldSilver plan, plus a clothes washer, dishwasher, clothes dryer, microwave, oven, and refrigerator. This is the best home warranty for Georgia homeowners from American Home Shield. Coverage caps for this plan are typically around $2,500. 
• ShieldPlatinum™ ($64.99  per month): ShieldPlatinum has 27 systems and appliances included. This is one of the most premium home warranty policies in the industry. ShieldPlatinum has many other benefits, including higher coverage caps for some items and a $1000 credit for unexpected expenses like permits. This is a tremendous option for Georgia homes with high-end systems and appliances. 
• Add-On Options: There are several additional coverages offered by AHS, including the septic system, pool and spa, PC, TV, and well pump coverage. Electronics coverage is not usually part of a home warranty plan, so this is quite the deal. 

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.

4. The Home Service Club

• Best For Quickest Service
• Service Fee: $60-$95
• Annual Cost: $650-$800

Why We Chose It

The Home Service Club offers the quickest coverage for Georgia home warranty companies. The Home Service Club’s home warranty policies will start just ten days after signing your contract agreement. If you are interested in home warranties that will give your home complete and thorough coverage at a quick pace, The Home Service Club is a perfect choice. This company has been on the market since 2008, and it has developed strong coverage in all 50 states. The Home Service Club’s home warranty plans have both system and appliance coverage, and it is known to have a wide range of coverage options. 

HSC Pros and Cons

Plans, Cost, and Coverage

The Home Service Club has two policies for homeowners to choose from. These two policy options are the Standard Coverage plan and the Comprehensive Coverage plan. Comprehensive Coverage is one of the most extensive plans on the market, with 33 covered items included. There are also many add-on coverages that customers can add to their home warranty plan. Coverage caps from The Home Service Club will range from around $500 to $2000. Service fees are customizable and will range from $65 to $125. 

Here’s a detailed look at The Home Service Club’s coverage: 

• Standard Coverage ($50 per month): The Standard Coverage plan is the most basic option from The Home Service Club. There are 18 covered items, including air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, etc. This is a solid basic plan from a home warranty company. 
• Comprehensive Coverage ($63.00 per month): The Comprehensive Coverage plan has fifteen more covered items than Standard Coverage. This is one of the more extensive plans on the market. These extra coverages include gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, etc. With the extensive coverage of this plan, you will not have any worries about what your policy will cover and protect. 
• Add-On Options: 12 additional or add-on coverages are part of The Home Service Club warranty plan. The add-ons include a well pump, service line, plumbing sprinkler, spa and spa heater, free-standing freezer, water softener, etc. It’s important to remember that The Home Service Club’s coverages start very quickly after adding them to your plan. 

To get a free quote from The Home Service Club, fill out this online form.

For more information, read our The Home Service Club Review. 

5. Liberty Home Guard 

• Most Trustworthy Home Warranty Provider
• Service Fee: $75
• Annual Cost: $700-$800

Why We Chose It

Liberty Home Guard is the most trustworthy home warranty in Georgia. With under four years in the business, it is impressive to see how far this company has come. With coverage options and coverage areas expanding daily, Liberty Home Guard has brought some unique opportunities to the world of home warranties. Earning an A rating with the BBB in just three years takes quite a bit of commitment to the customer service aspect of the business. If you want a trustworthy and reliable Georgia home warranty company, Liberty Home Guard is a great place to look. 

LHG Pros and Cons

Plans, Cost, and Coverage

There are three plans from Liberty Home Guard. The plans are the Appliance Guard plan for appliances only, Systems Guard for systems only, and Total Home Guard for both systems and appliances. Liberty Home Guard is a newer company, but it still offers expansive coverage for its customers. The coverage caps will be around $1500 for most major systems and appliances. Service fees from Liberty Home Guard are set at $75, a very fair price. 

Here’s a detailed look at Liberty Home Guard’s coverage: 

• Appliance Guard ($64.99 per month): The Appliance Guard plan covers 11 major appliances, including garage door opener, ceiling fans, cooktop exhaust fan, oven, refrigerator, garbage disposal, dishwasher, microwave, clothes washer, clothes dryer, and refrigerator ice-maker. This appliance-only plan has a good range of coverage but will leave off some of the essential systems in the home. 
• Systems Guard ($69.99 per month): The Systems Guard plan offers coverage on nine systems. These systems include the electrical system, air conditioner, bath exhaust fan, heating system, toilet, ductwork, plumbing and plumbing stoppages, and water heater. Systems are expensive to replace, and having a bit of help from the Systems Guard plan is a nice benefit.  
• Total Home Guard ($74.99 per month): The Total Home Guard plan covers 20 systems and appliances. Total Home Guard is the only comprehensive plan from Liberty Home Guard, but with pricing just a few dollars more than the Systems Guard plan, this offers the best value for Georgia homeowners. 
• Optional add-ons: Liberty has one of the most extensive lists of items offered as add-ons. If your Georgia home has unique features, this is the plan you will want. Some of the add-on coverages are unique, including things such as gutter and floor cleaning, re-key service, lawn sprinkler system, pest control, and wine refrigerator. These add-on coverages can get costly; adding several of them can significantly increase the price of your plan. 

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

Read our Liberty Home Guard review for more information.

Final Verdict

Hopefully, you now feel better equipped to pick the best Georgia home warranty on the market. Georgia offers lots of different housing options; however, most homeowners still have the same primary worries about systems and appliances. Companies like Choice Home Warranty, American Home Shield, and Select Home Warranty can make homeownership more enjoyable and stress-free. In addition, you will have a much easier time budgeting your funds when you know what a repair or replacement will cost you. 

How to Choose the Best Home Warranty in Georgia

Now that we have given you our top five choices for the best home warranty in Georgia, it is now time for you to narrow this list down to just one option for your home. Many different factors will set one home warranty apart from another. Pay close attention to the history in the industry, customer service reviews, and coverage details. 

• Consider experience in the industry: Some home warranty companies started last year, and others have been around for more than 50 years. You will have to decide what you are comfortable with regarding service and professionalism. American Home Shield has made it in the home warranty industry for more than 50 years. 
• Read customer service reviews: There are always two sides to every story, but you can get a good idea of how a company performs and delivers when reading customer service reviews. See if there are trends with denying claims or poor workmanship, and then avoid these companies. 
• Grasp coverage details and fine print: Just because your HVAC is covered does not mean that all parts of your HVAC are covered. Each company has some fine print that is worth considering. Remember that the home warranty company will typically not pay for any issues caused by pre-existing conditions. 

Compare the Best Home Warranty Companies in Georgia

What is a Home Warranty and How Does it Work?

A home warranty is a service contract to help homeowners manage the high costs of appliance and systems repairs. The policy will cover the repairs and replacements of protected systems in exchange for a fixed service fee and monthly premium. Every home warranty company has unique coverage options, and the pricing will vary based on the number of covered items. Having a home warranty in place makes it increasingly easier to budget and manage your finances, as there will be no unexpected costs for maintenance on systems and appliances. Some home warranty plans will require an inspection of the home before the start of a policy, but most will not. 

The process for getting an appliance or system repaired is quite simple. Homeowners can make a phone call or submit an online claim to notify the home service provider of an issue with a covered item. The homeowner then pays a service fee to have the home warranty provider schedule an appointment with a local contractor and get the issue inspected and fixed quickly. Service fees are typically the only out-of-pocket expenses in addition to the monthly fees from a home warranty company. Service fees will range from $60 to $150, and many plans have customizable options for homeowners. 

Home Warranty vs. Homeowners Insurance

While homeowners insurance covers the damages caused by natural disasters like fires and storms, a home warranty policy is entirely different. Home warranty providers don’t cover the repair costs of damages caused by fire, storms, or hurricanes. Still, it does cover the typical wear-and-tear issues of everyday home appliances and systems. Home warranty plans layout the specific items they cover like washer and dryer, refrigerator, electrical systems, HVAC systems, etc. Georgia home warranties also give clear guidelines in their policy plans to what parts are covered, coverage caps for each item, and what types of damages are not protected by the plan.

Top Home Maintenance Problems in Georgia

Georgia has both coastline and mountains. This means that there is quite a bit of diversity in the issues you can experience in Georgia. Two of the most common problems that Georgia residents are concerned with are air conditioning and heating systems. In addition, it is vital to ensure your Georgia home has a working water heater at all times. Let’s look at how a home warranty can help with any of these issues that should come up. 

• Heating Systems: In the North Georgia mountains, the winters will be cold, and there will be quite a bit of snow. When your heating system goes down, the repair will need to be fast. With most home warranty companies, there is an option for emergency service, and most of the time, service does not take longer than 24-48 hours to begin with. When dealing with heating system breakdowns, time is of the essence. 
• Air Conditioning: On the coast and in areas like Savannah, the summers can reach temperatures well into the ’90s. Not only is the lack of air conditioning uncomfortable it can be dangerous. Air conditioning units and HVAC systems are expensive to repair and replace; a home warranty will help manage these costs. 
• Water Heater Issues: Most homeowners take their water heater for granted. Turning on the water only to find out there is no hot water in the house is a significant problem. Most of the time, a fix on a water heater can be relatively simple; however, without a warranty, this could still cost hundreds of dollars. You will only be responsible for your service fee with a home warranty.  

What Does a Georgia Home Warranty Cover?

A home warranty plan will cover systems and appliances from normal wear. Home warranties are a perfect option for a homeowner who does not want to be surprised or caught off guard by an expensive out-of-pocket expense. A Georgia home warranty plan will cover appliances like the dryer, dishwasher, microwave, garbage disposal, refrigerator, and more. The systems covered under a plan are usually hot water heaters, HVAC systems, electrical systems, plumbing systems, and more. Remember that all home warranty plans are going to have different coverage options. Many will have add-on coverages for roof leaks, central vacuum, pools, spas, and sometimes even pest control. 

What is Not Covered by Even the Best Home Warranty Companies?

The home warranty will only protect against everyday wear and tear on your home systems and appliances. The home warranty plan is not a pass that allows homeowners to neglect their home systems and appliances. Your Georgia home warranty does not cover things like pre-existing conditions, cosmetic issues, and intentional breakage. Home warranty providers do not typically cover improper maintenance or installed items, such as rust problems or mold growing on an appliance.

How Much Does a Home Warranty Cost? 

A home warranty plan is typically priced between $45 and $65 a month. The average annual costs will be from $480 to $780 a year. When shopping for a home warranty, homeowners need to consider service fees, monthly pricing, and the coverage caps associated with the policy. Service fees are paid each time a repair is necessary. Service fees will range in price from $60 to $150, with the average being around $85. The coverage caps in your policy will determine if your home warranty company will cover a repair or replacement. Some repairs that are higher than the coverage cap will require additional out-of-pocket payments.  

Tips for Homeowners in Georgia

With more than 10.5 million people, the Peach State has millions of home and property owners thriving in the south. Georgia’s residents are well-familiar with its humid subtropical climate, meaning most of the state is used to long, hot summers with short and mild winters. With that, some natural disasters like tornadoes, tropical cyclones, and severe thunderstorms burden the state and its homeowners.

If you live in Athens, Columbus, Macon County, Augusta, or in Georgia’s Capital, Atlanta, then a Choice Home Warranty or an American Home Shield home warranty is right.

American Home Shield and Choice Home Warranty are both excellent home warranty options. AHS allows for customer selection of the service fee and monthly fee to find the perfect home warranty plan that fits into your budget. AHS not only has generous coverage on traditional appliances and systems covered by home warranties but offers some underrated coverages like locksmith, trash compactor, whole-house fans, and alarms. Choice provides very straightforward and comprehensive coverage options at a more affordable cost. It also offers additional coverage on septic systems, central vacuum, roof leak coverage, etc.

Notably, both of these providers offer air conditioning or HVAC coverage, which is essential with how hot Georgia can get. Georgia’s daytime temperatures regularly exceed 95º Fahrenheit, with a record temperature of 112º in Louisville, GA. Georgia residents and its neighboring states, Florida, South Carolina, Alabama, and Tennessee, are no strangers to these scorching temperatures.

Coastal towns like Savannah, Brunswick, and Hinesville are particularly vulnerable to salt deposits, mold and mildew issues, and HVAC systems. For this reason, First American Home Warranty is the best option for these areas. Not only does FAHW offer extensive central air conditioning coverage, but its First Class Upgrade also has coverage on appliances and systems that have been insufficiently installed or modified. If this doesn’t sound like something you need, use the list above to decipher which specific items you need to be covered and which corresponding provider would offer it at an affordable cost.

If you don’t feel like a home warranty expert yet, read the individual home warranty provider reviews to find which one would perfectly fit your home. Be sure to compare all coverages, services fees, monthly costs, customer services reviews, and coverage limits when looking at the best home warranty companies.