Updated Jan 10, 2023
Updated Jan 10, 2023
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Georgia homeowners get the pleasure of enjoying the mountains and the ocean, with beautiful weather during the whole year. However, that warm and humid weather can cause some serious wear and tear on the home’s appliances and systems. In Georgia, a home warranty is a service contract designed to help homeowners offset the cost of unexpected appliance and system failures.
House Method collected feedback from real homeowners to curate a rating system designed to identify the best home warranty companies based on the needs of our readers. Read on for our research-backed round-up of the best home warranty options available in Georgia.
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.
Our in-house team of home warranty experts scored Choice Home Warranty with 4.9 out of 5 stars and named it the best overall provider option in Georgia. CHW scored highest out of all six providers featured in this article for its $3,000 per-item annual coverage caps, expedited service for emergency breakdowns, and its two simple yet comprehensive plan options.
Choice Home Warranty boasts 14 years of industry experience and has handled over four million service requests during its time in business. It remains one of the most popular home warranty options in Georgia for its below-average monthly premiums and well-rounded standard coverage. One thing to note is that air conditioning is only included in Choice’s Total Plan. However, given the minimal difference in price between the Basic Plan and Total Plan, we advise Georgia homeowners to opt for the Total Plan for premium protection.
Pros
Cons
Choice Home Warranty offers two plans that both cover systems and appliances, with the Total plan offering more comprehensive coverage. Many of the appliances and systems come with an annual coverage cap of up to $3,000 per item, per contract term. Choice’s plans also come with an $85 service fee.
Here’s a detailed look at Choice Home Warranty’s policy options
Alongside its two base plans, Choice Home Warranty also offers nine additional coverage riders for customers to choose from, including:
Plan | Cost Per Month | Annual Cost | Service Fee |
Basic Plan | $45 | $560 | $85 |
Total Plan | $53.33 | $660 | $85 |
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.
We scored Select Home Warranty with 4.8 out of 5 stars and named it the most cost-effective provider in the category. Select Home Warranty (SHW) is the most cost-effective plan for Georgia homeowners. For over a decade, SHW has offered generous discounts and seasonal promotions. New joiners will receive an additional $150 off their premium plus two bonus months of free coverage and complimentary roof protection. Select sells one-of-a-kind home warranty plans for homeowners, sellers, buyers, and real estate professionals.
Pros
Cons
Select offers three plans for Georgia homeowners to choose from: Bronze Care, Gold Care, and Platinum Care. The average annual cost for a Select Home Warranty plan is $630-$699.99, which would include both appliance and system coverage for Georgia homeowners. Select’s annual coverage limits are much lower than other companies at around $500 per item, but its service fee of $60 and monthly payments under $50 are at the industry low.
Here’s a detailed look at Select Home Warranty’s coverage:
Georgia customers can take their home warranty plan one step further by adding any of Select’s add-on coverage items to their policy:
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
Plan | Cost Per Month | Annual Cost | Service Fee |
Bronze Care | $44.42 | $479.99 | $60 |
Gold Care | $44.42 | $479.99 | $60 |
Platinum Care | $47.75 | $524.99 | $60 |
For more information, read our Select Home Warranty Review.
American Home Shield earned 4.7/5 stars when passed through our rating system. We recognized this provider for having the best customizable plans in the industry. Founded in 1971, American Home Shield is one of the oldest providers on the market and has spent decades understanding how no two homes are the same. We recommend this provider for older homes in Georgia because AHS will cover items of all ages, regardless of whether or not it has any maintenance records. It’ll also take care of removing and disposing of defective items, which several providers specifically exclude.
Pros
Cons
American Home Shield offers three standard home warranty plans: ShieldSilver, ShieldGold, and ShieldPlatinum. These plans average $527.88 – $711.88 annually, but the final cost depends on which plan you decide to go with. With ShieldPlatinum, AHS offers coverage caps up to $6,000 per item, per contract term. AHS also allows its policyholders to choose between a $75, $100, or $125 service fee.
Here’s a detailed look at American Home Shield’s coverage with a $100 service fee:
You can also add the following coverage riders to your AHS home warranty:
Plan | Cost Per Month ($75 service fee) | Cost Per Month ($100 service fee) | Cost Per Month ($125 service fee) |
ShieldSilver | $44.27 | $34.27 | $29.27 |
ShieldGold | $54.27 | $44.27 | $39.27 |
ShieldPlatinum | $74.27 | $64.27 | $59.27 |
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 Review.
We scored The Home Service Club with 4.7 out of 5 stars, rewarding it specifically for having the quickest home warranty coverage. Unlike competing providers that, on average, require a 30-day waiting, HSC activates its customers’ coverage just ten days after signing your contract agreement. Since 2008, HSC has offered robust home warranty plans with no limit on how many service requests you can open per year. HSC is an excellent option for home buyers and sellers as it offers three specialty real estate packages made specifically for homes on the market.
Pros
Cons
The Home Service Club has two home warranty plans that average $57 per month or $725 annually. Both of these plans offer coverage on both appliances and systems, but the Comprehensive Coverage plan has over 30 inclusions. Add-on options from HSC run $3.33 to $16.66 per month, and all repairs and replacements have a 30-day guarantee. The Home Service Club also offers a flexible service fee of either $60, $75, or $95.
Here’s a detailed look at The Home Service Club’s coverage:
HSC has ten optional coverage add-ons available for customers who wish to further personalize their plan:
Plan | Cost Per Month | Annual Cost | Service Fee |
Standard Coverage Plan | $50 | $650 | $60-$95 |
Comprehensive Coverage Plan | $62.90 | $800 | $60-$95 |
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
House Method gave Liberty Home Guard 4.6 out of 5 stars and named it the most trustworthy home warranty company in Georgia. Having only been in business for five years, LHG has made remarkable strides next to its older competitors. LHG is the only leading home warranty company to maintain an A rating with the Better Business Bureau (BBB). It also requires every contractor it partners with to undergo a ten-day vetting process to ensure their technical expertise. Still, all work performed on your home is guaranteed for two months after the repair is made.
Pros
Cons
Liberty Home Guard has three coverage plans: Appliance Guard, Systems Guard, and Total Home Guard. These plans average $75 per month or $750 annually and come with a $75 service call fee. Unlike other home warranties, LHG offers 35+ optional coverage riders that can be added to any policy. The annual coverage limits are around $1,500 for any covered appliance or system.
Here’s a detailed look at Liberty Home Guard’s coverage:
Liberty Home Guard has one of the most extensive lists of add-ons offered across all home warranty providers, with items including:
Plan | Cost Per Month | Annual Cost | Service Fee |
Appliance Guard | $64.99 | $700 | $75 |
Systems Guard | $69.99 | $750 | $75 |
Total Home Guard | $74.99 | $800 | $75 |
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.
We scored Cinch Home Services with 4.4 out of 5 stars, namely for having the best workmanship guarantee in the industry. Covering home repairs with a 180-day workmanship warranty, Georgia homeowners won’t need to worry about paying additional service fees for any potential repeat breakdowns. Given that the average workmanship warranty is around 60 days across the home warranty industry, Cinch goes above and beyond to back the quality of its contractors’ craftsmanship.
Pros
Cons
Cinch Home Services offers 3 plan options: one covers appliances, one covers systems, and the third covers both. Cinch Home Services has flexible service fees that run from $75 to $125, and the service fee chosen will affect the monthly payment cost. The coverage caps go up to $2,000 per item, but cap out at $10,000 total contract usage for the year.
Here are the details one Cinch Home Services’ Plans:
If you’re looking to go beyond what’s included in Cinch’s standard coverage, policyholders can also purchase:
Plan | Cost Per Month ($75 service fee) | Cost Per Month ($100 service fee) | Cost Per Month ($125 service fee) |
Appliances Plan | $50.99 | $44.99 | $27.99 |
Built-in Systems Plan | $57.99 | $51.99 | $32.99 |
Complete Home Plan | $67.99 | $61.99 | $39.99 |
To get a free quote from Cinch Home Services, fill out this online form or call 833-743-1056.
Read our Cinch Home Services review for more information.
Home Warranty Company | Choice Home Warranty | Select Home Warranty | American Home Shield | The Home Service Club | Liberty Home Guard |
Our Rating | 9.7 | 9.5 | 9.6 | 9.4 | 9.3 |
Best For | Best overall | Most cost-effective plans | Best customizable plans | Quickest service | Most trustworthy |
Average Cost | $45 – $53 | $56 – $62 | $34 – $64 | $50 – $62 | $70 – $80 |
Service Fee | $85 | $60 | $75, $100, or $125 | $60, $75, or $95 | $75 |
Annual Limit | $3,000 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 | $2,000-$2,500 per standard item; $250-$500 for add-ons |
Average Response Time | Up to 48 hours | Up to 48 hours | Up to 48 hours | Within 24 hours | Within 24 hours |
State Availability | Not available in WA | Not available in WA, NV, WY, or NM | Not available in Alaska | Available in all 50 states | Not available in WA, WY, or WI |
Online Chat / Mobile App | Yes | No | No | No | Yes |
Quote | Get Quote | Get Quote | Get Quote | Get Quote | Get Quote |
A home warranty is a service contract intended to help homeowners manage the high costs of home appliance and system repairs. By paying for a policy upfront, along with a select service fee each time you need service, a home warranty guarantees that you’ll have access to instant professional maintenance at no additional cost to you.
When you sign up for a home warranty, your coverage benefits will go into effect after an initial waiting period of 30 days. Because home warranties only cover appliance and systems damage due to normal wear and tear over time, no breakdowns or hiccups that pre-date the end of the waiting period will be covered by your provider.
Some home warranty providers may require an inspection of the home before the start date of the policy to keep a record of any detectable pre-existing conditions, but most will not. Home warranties do not typically cover known pre-existing conditions, improper installation or maintenance, mold, or cosmetic defects.
To find out how a home warranty works and how to file a claim with a Georgia home warranty company, watch this video:
We read through 60+ customer reviews from home warranty policyholders across the state of Georgia and pulled both positive and negative blurbs that we felt accurately illustrated both sides of the customer experience.
To provide a fair overview of common complaints across multiple companies, we’ve opted to only feature excerpts from customers belonging to our top three provider recommendations: Choice Home Warranty, Select Home Warranty, and American Home Shield.
One of the most frequent complaints we saw across a number of leading home warranty companies — not just the three here —concerned the wait time between receiving a claim approval and the final repair being made.
“Our AC went out on us last Thursday [so] I called Choice Home Warranty on Friday. The temperature here in Augusta, GA is in the 90s so I was hoping they could get a technician out on Friday or Saturday but they could not. A technician came out Monday evening and … as soon as he replaced the small fuse the AC was up and running again! … Paying $85 for the technician to come out was better than paying $600.” — Myrtis S., Trustpilot, Choice Home Warranty Customer
“It took a few more days to get the plumber to my house than I had hoped, but they were busy. But [Select Home Warranty] sent a great plumber who was early, fast, neat, and explained what he fixed.” — Lisa L., Trustpilot, Select Home Warranty Customer
“Woke up this morning and our A/C is not working. Of course it’s Sunday and Mother’s Day. I called AHS, submitted the automated request, and the automated system said the A/C company would be contacting me on the next business day to schedule the repair — which means it could be 2-3 days before they show up…” — Bonnie K., Trustpilot, American Home Shield Customer
While most home warranty companies do support 24/7/365 customer service and claims processes, the timeframe in which a repair can be completed also depends on the availability of local Georgia technicians as well as of necessary parts and materials.
With that being said, not all appliance and system failures can wait. An HVAC breakdown during Georgia’s warmer months can quickly put a homeowner’s health and safety at risk. In emergency scenarios, be sure to communicate the urgency of your situation upfront. Most home warranty companies will work with customers to provide expedited services for time-sensitive cases.
A home warranty is a worthwhile investment for any homeowner but can be especially lucrative for those looking to buy or sell a property in Georgia. Above all else, it offers peace of mind to both parties. Prospective homebuyers are reassured knowing any pre-existing issues that evaded the home inspection are covered and sellers are protected against potential post-sale disputes should an item happen to break down during or after closing.
Nicole Moore, a RealtorⓇ at GCH Luxury Group with Real Broker LLC in Savannah, said home warranties are the ultimate way “to protect against unforeseen repairs that you’re going to have to make.” Based on her expertise within the local market, Nicole also emphasized that a home warranty can even increase the resale value of your home in GA. Only properties that are in good standing condition from the start are eligible for home warranty coverage. Therefore, as a seller, “when you have a home warranty in place, it shows you’ve been maintaining your home and are making sure it is protected,” she said.
Whether you’re currently living in Georgia or are interested in relocating to the area from out-of-state, “if you’re in the process of purchasing a home, you can ask the seller to cover a home warranty for you,” said Nicole. “You also always have the option to invest in a home warranty yourself.”
Next to its competitors, Choice Home Warranty offers the most comprehensive coverage in Georgia, no matter what plan level you select. Both its Basic and Total policy options included major systems and appliances, that way, homeowners can get the most out of their membership regardless of what their budget may limit.
Home warranties aren’t mandatory in Georgia in the same way that home insurance is sometimes required by lenders, but investing in a policy adds an extra layer of protection against natural wear and tear that every home sustains over time.
On average, a home warranty in Georgia 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.
The best home warranty company in Georgia 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 Georgia Home Warranty Resources
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