Best Home Warranty Companies in Idaho

Paying for a home is more than just your monthly mortgage. Many new homeowners underestimate how much their home systems and appliances are worth until they face a breakdown and can’t afford a repair. 

Purchasing a home warranty can provide you with the peace of mind that comes with knowing that a system or appliance repair won’t bankrupt your family. Home warranties cover the wear and tear that your systems and appliances go through as you use them on a regular basis, which goes beyond the protection in your homeowners insurance policy. If you’re ready to buy a home warranty plan, read our guide on the best home warranties in Idaho to help you find the right coverage for you and your home. 

Idaho’s top 5 home warranty companies

Top home maintenance problems in Idaho

Home warranty coverage can help you tackle expensive issues with your appliances and systems at a fraction of the price. Let’s take a look at some of the most common issues in the Gem State.

• Aging appliances: About 44% of homes in Idaho were built before 1980. As your home ages, appliances like your stove and refrigerator may need more frequent repairs, which a home warranty can help you pay for.
• Heating system breakdowns: Idaho winters consist of freezing temperatures and snow. This can put more strain on your heating system, leading to more frequent breakdowns. A home warranty company that provides systems coverage will cover breakdowns to your HVAC system.
• Gutter overflow: If you don’t regularly clean debris out of your gutters, they might begin to overflow onto your roof and cause leaks. If you’re concerned about your roofing, look for a home warranty plan that provides roof leak coverage as an optional add-on. 

1. America’s First Choice Home Club

America’s First Choice (AFC) Home Club has four coverage options, which is more than the industry norm of two or three, giving you plenty of choices when it comes to what systems and appliances in your home you want to cover.

Let’s take a closer look at each of these plans:

• System Plan: The System Plan covers six home systems, like your air conditioner and electrical system.
• Silver Plan: The Silver Plan covers nine home appliances, including your kitchen refrigerator and garage door opener.
• Gold Plan: The Gold Plan covers everything in both the System Plan and Silver Plan.
• Platinum Plan: The Platinum Plan covers everything included in the Gold Plan plus a few extras. 

You can also customize your coverage from AFC Home Club with the following add-ons:

• Sump pump
• Hot water dispenser
• Septic system
• Pool and spa
• Additional freezer
• Central vacuum
• Well pump
• Tankless water heaters

Here’s what you can expect to pay for your policy:

You’ll also pay a service fee of $75, $100, or $125 each time you use your coverage. You can choose your own service fee. However, keep in mind that choosing a lower service fee will increase your premium.

To get a free quote from AFC Home Club, fill out this online form or call 877-755-1115.

2. Liberty Home Guard

If you value customer testimonials, be sure to consider a plan from Liberty Home Guard. Though Liberty Home Guard doesn’t have as many years of experience as some of its competitors, the company has made a name for itself with a high average customer rating on its Better Business Bureau (BBB) profile.

Liberty Home Guard offers the following three plan choices:

• Appliance Guard: The Appliance Guard plan offers coverage for nine home appliances, including your garbage disposal and washer-dryer unit.
• System Guard: The System Guard plan protects six home systems, ranging from your heating system to your plumbing system.
• Total Home Guard: The Total Home Guard plan includes all of the coverages found in both the Appliance Guard and System Guard plans.

You can customize your coverage from Liberty Home Guard with the following:

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

Take a look at how much Liberty Home Guard costs:

You’ll also pay a $60 fee each time you request service.

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

3. Choice Home Warranty

Choice Home Warranty is a good first stop if you’ve never purchased a home warranty plan before. The company has two easy-to-understand plans that both offer a mix of system and appliance coverage.

Choice Home Warranty has a Basic Plan and a Total Plan:

• Basic Plan: The Basic Plan covers 14 major home systems and appliances, including your plumbing system and ceiling fans.
• Total Plan: The Total Plan covers everything in the Basic Plan plus four more items.

Take a look at the optional coverages you can add onto either plan for more protection:

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

Here are plan quotes from Choice Home Warranty:

Choice’s service fee is $85 per service call.

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

4. First American Home Warranty

Most home warranties won’t cover systems or appliances with pre-existing conditions. However, First American Home Warranty’s First Class Upgrade add-on covers improperly installed or maintained items among other expenses, ensuring that even homeowners with older homes can get coverage.

First American Home Warranty offers the following two plans:

• Basic Plan: The Basic Plan includes coverage for nine home appliances, ranging from your dishwasher to your clothes washer.
• Premier Plan: The Premier Plan includes coverage for all of the appliances in the Basic Plan plus eight home systems.

In addition to the First Class Upgrade, you can also customize your coverage with the following add-ons:

• Central air conditioning systems
• Second refrigeration units
• Pool and spa equipment
• Well pumps

Here’s what you can expect to pay for your plan from First American Home Warranty:

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

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

5. American Home Shield 

With almost 50 years of experience, American Home Shield is one of the most well-known home warranty providers in the United States. The company is most known for its choose-your-own service fee, 24/7 customer service, and higher-than-average coverage caps.  

American Home Shield currently offers the following plan choices:

• Appliances Plan: The Appliances Plan includes coverage for 10 appliances, including your trash compactor and refrigerator.
• Systems Plan: The Systems Plan includes coverage for 12 home systems, like your plumbing system and water heater.
• Combo Plan: The Combo Plan includes coverage for every appliance and system in both of the previous plans.

You can customize your plan with the following optional coverages:

• Pools and spas
• Extended electronics
• Well pumps
• Sump pumps
• Guest units

Take a look at how much American Home Shield costs per month and per year:

American Home Shield allows you to choose your own service fee between $75 and $125. Like  with AFC Home Club, choosing a lower service fee will increase your monthly premium.

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

Idaho home warranty buying guide

Here are a few factors you might want to compare between providers before deciding on one.

• Add-ons: One of the best ways to customize your policy is by purchasing optional coverages. If you want to protect every facet or your home or have uncommon items in your home like a wine refrigerator, look for a company with a long list of add-ons.
• Service technician: Most home warranty companies assign a technician to you when you need a repair. If you would prefer to use a technician that you already know and trust, look for a company like AFC Home Club that allows you to choose your own contractor.
• BBB reviews: The BBB creates profiles for companies around the country. If you want to get an idea of what customer service from a certain provider would be like, read the reviews past customers have left.

Our conclusion

The best home warranty will vary from person to person depending on what kind of coverage they want and what they can afford to pay. However, we feel confident that every Idaho homeowner will be able to find a home warranty from one of the five providers we recommended. To see whether a policy for your specific home will match the estimates we provided in this review, contact each company for custom quotes.

Frequently asked questions about Idaho home warranties

How often do I need to pay my service fee?

Your service fee is due each time that you need a repair or replacement. You pay this fee directly to the technician conducting the repair. Most home warranty companies allow you to receive as many repairs as you need as long as it’s covered under your warranty and doesn’t go over the coverage cap for that system or appliance.

Do home warranties cover garbage disposals?

Many home warranties include coverage for garbage disposals in at least one of their plans. However, you’ll want to scan the list of covered items to make sure.

What should I look for in a home warranty provider?

Some factors you might want to consider when comparing home warranty companies in Idaho include premiums, service fees, customer service availability, number of plans, and years in business.