Best Home Warranty Companies in Idaho (2022)

Homeownership in Idaho typically comes along with some of the most beautiful scenery and landscapes that the United States offers. Homes in Idaho can vary considerably in style, size, and overall architecture. However, one thing remains across all homes in Idaho, and that is the issues that can come up with the repair and replacement of appliances and systems.

The Idaho home warranty is important because of the climate and weather in the state of Idaho. With the way the conditions change, it is really important to ensure that your home systems and home appliances have the protection they need. In our guide featuring the best home warranty companies in Idaho, we will give you information on how to choose the best home warranty, why a home warranty is important, and which is the best for your home.

Idaho Top 5 Home Warranty Companies

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 Service
5. Liberty Home Guard: Most Trustworthy

Quick Comparison of Home Warranty Providers

1. Choice Home Warranty

• Our Take: Best Overall
• Average Annual Cost: [$550] – [$650]
• Response Time: Up to 48 hours

Choice Home Warranty is the best overall home warranty in the state of Idaho. Choice Home Warranty has over 13 years of experience under its belt, and they continue to impress with its customer service and policy simplicity. There is no doubt that Choice Home Warranty is one of the easiest companies to work with and has some of the better plan choices on the market. With a BBB rating of a B, Choice Home Warranty is also a policy that you can trust. 

Pros and Cons

✓ Impressive customer service

✓ Comprehensive plan options that cover both systems and appliances

✓ 90 Day Repair Guarantee

X No Customization of plan

X 30 Day waiting period to start

Plans and Pricing

There are two Choice Home Warranty plans to choose from. Although you may think that having only two plans is a bit restrictive, each of these plans is a combo or comprehensive plan. This means that both systems and appliances are covered as part of the plan. There are also plenty of add-on coverages and options that can make the plan more comprehensive, but most Idaho homeowners have no issues with the Total Plan from Choice. The service fee from Choice Home Warranty is just $85.

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. The Basic Plan tends to be a popular choice for those who have recently invested in real estate.
• Total Plan ($53.33 per month): The Total Plan is the more comprehensive plan and covers all 13 items in the Basic Plan, plus an additional four items. The Total Plan includes the clothes washer, dryer, refrigerator, and air conditioner coverage. For the Idaho summers, air conditioner coverage is quite important.

Coverage

Choice Home Warranty has several add-on coverages that you can attach to either of its plans.

• Roof leak coverage (single-family homes only)
• Central Vacuum
• Septic Tank
• Well Pump
• Pool
• Spa (Can be combined with pool coverage if the equipment is shared)
• Sump Pump (must be permanently installed)
• Stand Alone Freezer

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

Read the full Choice Home Warranty Review.

2. Select Home Warranty

• Our Take: Most Cost Effective
• Average Annual Cost: [$579] – [$650]
• Response Time: Up to 48 hours

Select Home Warranty is the most cost-effective home warranty plan for Idaho residents. When you purchase a home warranty plan, keeping the cost as affordable as possible makes sense. Select Home Warranty helps you do this by offering free roof leak coverage with each policy they sell. With close to ten years in the home warranty industry, Select Home Warranty has quite some experience working in Idaho. One of the things that make Select Home Warranty stand out is its high contractor professionalism. It is very difficult to be approved by SHW as a provider, and as a homeowner, you will benefit from this. 

Pros and Cons

✓ High workmanship quality

✓ Free roof coverage

✓ Good selection of appliance plan, systems plan, and combo plan

X Must file a claim within three days

X Coverage caps can be lower

Plans and Pricing

The Select Home Warranty packages are very standard for the home warranty industry. You must choose between the appliance plan, systems plan, or combo plan. The combo plan, also known as the Platinum Care, is the best option that Select Home Warranty offer. With this, you will get a combination of systems and appliances and the coverage that you need for just a few dollars extra per month. Select Home Warranty also offers add-on coverage and free roof leak coverage.  

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

• Bronze Care ($52 per month): The Bronze Care plan is an appliance-only home warranty plan. This plan covers seven major appliances, including a refrigerator, built-in microwave, clothes washer and dryer, oven, garbage disposal, and cooktop. 
• Gold Care ($52 per month): The Gold Care plan is a system-only plan from Select Home Warranty. There is coverage for six systems; plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork. The Gold Care tends to be the more popular home warranty coverage choice over the Bronze Care because of the cost to repair systems over appliances.
• Platinum Care ($58 per month): The Platinum Care plan will include all of the appliances under the Bronze Care plan and all of the systems under the Gold Care Plan. The Platinum Care plan is just a few dollars more per month, but your coverage is double; this makes it a very smart protection plan for your Idaho home.

Coverage

Select Home Warranty has several add-on coverages that you can attach to either of its plans; roof leak coverage is included without paying extra.

• Central vacuums (Does not include clogged pipes)
• Lawn sprinkler systems
• Pools (Can combine with spa coverage if the equipment is shared)
• Spas
• Stand-alone freezers
• Sump pump (must be within the foundation of the home)
• Well pump

Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.

Read our Select Home Warranty review to learn more.

3. American Home Shield

• Our Take: Best Customizable Plans
• Average Annual Cost: [$479] – [$779]
• Response Time: Up to 48 hours

American Home Shield is the most customizable plan in Idaho. Having the ability to add and subtract coverage to meet the needs of your Idaho home is a tremendous benefit. Homeowners that are new to the world of home warranties are always impressed with the premium quality of the American Home Shield plans. With over 50 years in the industry, American Home Shield has built up a tremendous network of service technicians and repair professionals. The longer this company is around, the better they get. Many people consider American Home Shield to be the premier home warranty company.

Pros and Cons

✓ 50 years of industry experience

✓ Low chance of claim denial

✓ 24/7 online support for your home warranty plan

X Cancellation fees if canceled after the first 30 days

X Pricing for some plans is considerably higher

Plans and Pricing

American Home Shield offers three plans to choose from. The two plans that offer both system and appliance coverage tend to be the most popular. It’s important to remember that with all American Home Shield policies, you can customize the coverage to work specifically for the needs of your Idaho home. In addition, there are plenty of coverage options like electronics and pools that can also be added to the plan. These will vary in price and slightly raise the monthly payment you are responsible for. The service fee from American Home Shield is customizable and will range from $75 to $125.

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

• ShieldSilver™ ($39.99 per month): The ShieldSilver plan covers 14 home systems, including air conditioning, electrical system, smoke alarms, water heater, central vacuums, doorbells, garage door opener, heating system, garbage disposals, ceiling fans, instant hot/cold water dispenser plumbing, and ductwork.

• ShieldGold™ ($49.99 per month): ShieldGold is the combo plan covering both systems and appliances. There are 23 home systems and appliances on this plan. The ShieldGold plan has additional coverages, including a clothes washer, dishwasher, clothes dryer, microwave, oven, and refrigerator. The combination of systems coverage and appliance coverage in ShieldGold makes it a better overall investment than ShieldSilver.
• ShieldPlatinum™ ($64.99  per month): The ShieldPlatinum plan includes 27 systems and appliances. Pricing for ShieldPlatinum is slightly higher, but it is one of the more premium home warranty plan choices in the state of ID. With increased coverage caps and a large number of covered items, this is one of the most premium home protection plans in the state of Idaho.

Coverage

American Home Shield also offers several add-on coverages for homeowners to consider.

• Septic system (first-year customers only, nonrenewable)
• Pool
• Spa
• PC
• TV (includes home theater system)
• Well pump coverage

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

To read more, visit our American Home Shield review.

4. The Home Service Club

• Our Take: Quickest Service
• Average Annual Cost: [$600] – [$756]
• Response Time: Within 24 hours

The Home Service Club has the quickest coverage of any home warranty provider in Idaho. Ten days after you pay for your home warranty service contract, you will start your coverage with The Home Service Club. Most home warranty service providers will require a 30-day wait period before the policy begins. The Home Service Club has a customizable service call fee, 13 years of industry experience, and tremendous coverage options for your Idaho home. If you don’t want to pay for add-ons or extra, The Home Service Club gives you enough coverage with their plan that you may not have to.

Pros and Cons

✓ 13 years of industry experience

✓ Policy starts in just ten days

✓ Positive customer reviews

X No plan customization

X Does not have an ultimately budget-friendly cheap plan option

Plans and Pricing

There are two plans from The Home Service Club. The Comprehensive Coverage Plan has 33 covered items, making it one of the most extensive in the industry. The number of exclusions as far as major systems and appliances are concerned is minimal with The Home Service Club. The service fee will range from $65 to $125, depending on the option you choose. Coverage caps are reasonably priced at around $2500 for many of the covered items.

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

• Standard Coverage ($50 per month): The Home Service Club Standard Coverage Plan has 18 covered items, including air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more. 
• Comprehensive Coverage ($63.00 per month): The Comprehensive Coverage Plan from The Home Service Club has 33 covered items. These extra coverages include gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. The plumbing stoppages and ductwork coverage are major reasons to consider the Comprehensive Coverage plan. In addition, many of the coverage options under this plan are considered to be add-ons with other companies; this can save you a great deal of money.

Coverage

The Home Service Club also has plenty of add-on options, starting around $5 per month and increasing from there.

• Well pump
• Service line
• Plumbing sprinkler
• Spa
• Roof Leak (up to $1000 in coverage)
• Spa heater
• Free standing freezer
• Water softener
• Pool (can be combined with spa coverage if the equipment is shared)
• Sprinkler system
• Pump (Sewage ejector pump)

To get a free quote from The Home Service Club, fill out this online form or call 800-842-9334. 

To learn more information, visit our The Home Service Club review.

5. Liberty Home Guard

• Our Take: Most Trustworthy
• Average Annual Cost: [$649] – [$749]
• Response Time: Within 24 hours

Liberty Home Guard is the most trustworthy home warranty in the state of Idaho. Earning the reputation of a trustworthy home warranty is quite difficult. When you read through customer reviews of other home warranty customers, you will see that the statements are a bit mixed. However, in just two years on the market, Liberty Home Guard has managed to earn an A rating with the BBB. This is almost unheard of, and Liberty Home Guard will have their work cut out for them to maintain this rating. If you like modern systems, excellent communication, and one of the broadest lists of coverage on the market, Liberty Home Guard is one of the best plans around.

Pros and Cons

✓ BBB rating of an A after a short time in the industry

✓ Easy to use customer claim portal

✓ A large list of add-on coverages

X No plan customization

X Has only been on the market for a few years

Plans and Pricing

There are three Liberty Home Guard plans to choose from. The appliance plan, systems plan, and then a comprehensive plan. When you look at the pricing of each of these plans, you will see that it tends to be a bit higher than some other options on our list. The reason behind this is the extensive range of coverage that the Liberty Home Guard plans offer. Always consider the individual coverage points in addition to the pricing. In addition, the LHG plan allows for an extensive list of add-on coverages like a locksmith or trash compactors. The service fee or deductible from Liberty Home Guard is $75.

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

• Appliance Guard ($64.99 per month): The Appliance Guard plan from Liberty Home Guard has coverage for 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. Most appliance-only plans do not have a total of 11 coverages, and that helps to justify the costs of the Liberty Home Guard plan.
• Systems Guard ($69.99 per month): The Systems Guard plan is a systems-only option with nine systems. These systems are the electrical system, air conditioner, bath exhaust fan, heating system, toilet, ductwork, plumbing and plumbing stoppages, and water heater. 
• Total Home Guard ($74.99 per month): The Total Home Guard is the best value from LHG. Total Home Guard has more than 20 covered systems and appliances. The Appliance Guard and the Systems Guard plan are combined to create this option from Liberty Home Guard, making it an excellent option for either a new home or one you have lived in your entire life.

Coverage

Liberty Home Guard has one of the most extensive lists of add-on coverages in the industry; these will include:

• Pool and spa
• Additional spa (Billed as an extra to the pool system)
• Saltwater pool
• Gutter cleaning
• Floor/carpet cleaning
• Sump pump
• Fixtures
• Water softener
• Trash compactor
• Lawn sprinkler system (all mechanical parts)
• Electronics protection
• Swamp cooler
• Ejector pump
• Septic system pumping
• Limited roof leak
• Pest control
• Locksmith
• Free-standing ice maker
• Central vacuum
• Stand-alone freezer
• Re-key
• Second refrigerator
• Wine refrigerator
• Well pump
• TV and PC
• Generator
• Water dispenser 

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

To learn more information, visit our Liberty Home Guard review.

Home Warranties in Idaho Cities

How Much Does a Home Warranty in Idaho Cost?

The Idaho home warranty will cost approximately $725 a year on average. This, of course, will change depending on the size of your home, the optional coverage you choose, the number of service requests you have, and more. Home warranties in Idaho are also going to vary depending on the type of home you live in. With condos and townhouses, the pricing is typically lower than a large single-family home. If you are on a budget, look for a home warranty plan that offers a customizable service fee and plan pricing.

Compare the Best Home Warranty Companies in Idaho

Final Thoughts

Hopefully, you now feel ready to purchase a home warranty for your Idaho home. Although the Choice Home Warranty plan stands out as the best overall option, there are other great coverage choices on the market. Any of the top five plans will give you excellent customer service, reliable workmanship, and a broad list of coverage. Try to find a plan that most closely matches the needs of your Idaho home. It makes sense to get a few quotes so that you know you have the coverage that you need for the best available price.

How to Choose the Best Home Warranty in Idaho

Hopefully, you now feel as though you can choose a home warranty plan for your Idaho home. Narrowing things down to the top five companies on the market is quite an accomplishment; however, you will still need to choose just one policy for your Idaho home. There are some essential features to look at when you start narrowing things down; those are the service fee costs, coverage caps or limits, and add-on options.

• Service Fee Costs: The service fee is the price you pay for a repair technician to come to your home and evaluate the issue that you are having with your system or appliance. Once they diagnose the issue, they will fix it without you having to pay any additional money for the repair. 
• Coverage Caps or Limits: Each system or appliance covered under your plan will have a coverage cap or limit. This means that repairs and replacements will be covered until you reach the policy cap. For some plans, this is $500, and for others, it is closer to $3000. If you have high-end appliances and systems, choose the higher coverage limits.  
• Add-On Options: The add-on options included in the home warranty plan can allow for coverage of things like pools, spas, and second refrigerators. If your home has quite a few appliances and systems that fall outside the realm of the standard plan, make sure to check for add-on coverage options.  

Top Home Maintenance Problems in Idaho

Idaho homes experience a wide range of weather and climate conditions throughout the course of a year. It is important to understand that these changes will impact the appliances and systems in your home.

• Water Heater: A water heater makes it possible to take a warm shower and wash hot dishes. Water heaters tend to have a shorter lifespan than some other systems in the home. Having a home warranty in place can help you have some money to put towards your water heater repair. 
• Electrical System: The electrical system keeps all other systems in your home functioning and running at all times. Electrical systems are essential, but electricians are expensive. Having a home warranty in place to protect against the cost of an electrical repair will save you money.
• Plumbing Stoppages: There are several types of plumbing coverages associated with home warranties; plumbing systems and plumbing stoppages are two of the main types. Plumbers can charge hundreds of dollars just to diagnose an issue with your system. When you have a home warranty in place, the price is just the cost of the service fee.  

What is a Home Warranty?

A home warranty is a protection plan that will keep the cost of home repairs down and even offer replacement costs if your appliance or system should be damaged beyond repair. Home warranty plans allow homeowners to live with peace of mind and ensure that their budget is not impacted by large home repair bills. A home warranty can help everyone, from the first-time homebuyer to the senior trying to stay in their home to a working professional that does not have time to make home repairs.

Home Warranty vs. Homeowners Insurance

A home warranty and homeowners insurance are not the same. A homeowners insurance plan is in place to protect you from the larger events that can happen, things such as fires, hurricanes, and tornadoes. However, if your dishwasher breaks down or your plumbing has a stoppage or leak, the homeowner’s insurance plan is not designed to help. This is where a home warranty will come into play. A home warranty protects the things that we use on a daily basis to make our home more comfortable and pleasant to live in.

How Does a Home Warranty in Idaho Work?

Once you have chosen the best home warranty for your Idaho home, you will need to ensure that you understand how it works. Whether you live in Boise, Meridian, or Idaho Falls, the process for using your home warranty should be nearly the same.

• Purchase a home warranty policy and wait the 10-30 days before the home warranty will go into full effect; cancellation during this time period is typically free of charge
• As soon as your home system or appliance experiences an issue, be sure to contact your home warranty provider immediately and take a look at the policy documents to see if the issue you are calling about will be covered
• Use the online portal system, a phone call, or a live chat to let a representative know about your home warranty-related issue
• Pay the service call fee before the technician or contractor comes to your home to inspect the issue; expect this to happen within 24 to 48 hours after submitting a claim
• Once the issue is inspected, options for repair or replacement will be presented to homeowners; if the appliance or system can’t be repaired, the home warranty plan could offer replacement costs
• Repair should happen within 24-72 hours, depending on parts needed and the schedule of the contractor or service technician
• A workmanship guarantee will protect you from having to pay the service fee more than once; if the repair fails, simply let your home warranty provider know

What does a Home Warranty Cover?

As you are shopping for a home warranty for your Idaho home, you will need to take into account what the plan will cover. The most important thing to remember is that a home warranty is designed to protect against normal wear. Most home warranty plans are broken into three main categories, systems, appliances, and add-on coverage.

The home systems include things like HVAC, plumbing, electrical and more. Home appliances tend to be the kitchen and laundry room appliances you have in your Idaho home. Having a combo plan that covers both systems and appliances will help with overall affordability. Knowing that any issue that comes up around your home may only cost you $75 offers tremendous peace of mind.

Home warranty providers also allow homeowners the chance to include add-on options to their home warranty plans. These add-ons will cover things like your swimming pool or spa and even something like carpet cleaning.

What is Not Covered by a Home Warranty?

Home warranty plans only cover normal wear. Many homeowners are surprised when a claim gets denied for something that was broken intentionally or pre-existing conditions that home systems or appliances had. The most common exclusions from a home warranty plan are…

• Cosmetic issues
• Preexisting conditions
• Natural disasters
• Lack of maintenance and upkeep
• Intentional breakage
• Misuse of a system or appliance

Biggest Complaints about Home Warranty Companies in Idaho

As great as a home warranty can be, there are times when customers will complain and likely even cancel their plan. Having an idea as to what people consider negatives before you start your plan may help you have a better experience. Here are a few of the issues that Idaho homeowners have had with their home warranty plan.

• Claim Denial: having your home warranty claim denied can be really frustrating. The good news is that you can typically avoid this by understanding your coverages and ensuring you take great care of your home systems and appliances.
• Failed Repair: unfortunately, there are times that a repair will fail and require you to wait for another technician to come and repair it. Most of the time, a failed repair will be protected by the workmanship guarantee and will not cost you anything extra.
• Expense: home warranty plans will add an additional cost to your monthly budget. Although these home warranty plans can pay for themselves after just a few breakdowns, there are times when your home may not experience an issue the entire year. In this case, be glad that you had the peace of mind that the best home warranty brings with it.

Are home warranties worth it?

Home warranty plans are worth it for Idaho homeowners. Take, for instance, an HVAC repair in the middle of the summer. The home warranty provider will schedule a contractor to come out to inspect the issue, typically within 24 hours. If the part to repair the HVAC is $700 you will still only be responsible for your service fee.

Home warranty plans help you save both time and money, and it doesn’t take much to see how quickly these plans can help decrease the cost of homeownership. In addition to these cost savings and giving homeowners the chance to budget their money, home warranty plans offer peace of mind.

It is hard to put a price tag on the way peace of mind will increase the enjoyment of owning an Idaho home warranty. If you are on the fence about a home warranty and whether or not it is for you, start with an appliance-only plan and see the benefits it can bring; from there, expand to the more comprehensive coverage.

House Method Home Warranty Ranking Methodology

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.

To make the most of our research, we developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria.